BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: Debt Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received notification about this debt on my credit report. I disputed the debt online and also provided proof that I settled this account balance with the previous collection agency that held the debt, XXXX XXXX, XXXX. and/or XXXX, XXXX XXXX  XXXX , XXXX, XXXX XXXX XXXX. This account balance was settled for {$620.00} with the agreement that it was removed from my credit report on XX/XX/2022. I have proof of the settlement offer as well as the receipt of payment. 

After disputing the debt, this collection agency responded that their account information was accurate and continue to report it on my credit with no validation. I am also sending them a certified letter of the written dispute. I held no other balances with the original creditor. Failure to comply with receiving proof of payment that this debt has been paid is a clear violation of the FCRA. I have also attached proof of the settlement agreement with the previous agency. Again, I will be sending a certified letter today outlining the dispute, proof of payment. Failure to remove from my credit report will leave me no choice but to file a lawsuit against this company for failure to comply with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Bread Financial Holdings, Inc.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Comenity bank consistently calls and begins discussing past due accounts without verifying who they are speaking to. They also do not identify themselves at the onset of the call

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Citi Card violates false allegations, false statements, customer privacy laws. Discrimination. Customer rights. 

1. After the old card expired, Citi Card Company refused to issue me a new card for violation of customer rights. 
2. Citi Card falsely accused me of being " bankrupt. '' violation of false allegations, and false statement. 
3. Citi card company intentionally, maliciously intent to block my online username and password, preventing me from paying the remaining {$290.00} which I can pay immediately. violation of customer rights. 
4. Without my consent or authorization, Citi Card Company submitted a balance of {$290.00} to the credit reporting company ( s ). 
5. Damaged my reputation, character and career due to false allegations and false statement violation of customer privacy, and consent act.

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 2022-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
On or around XX/XX/2017 there was an account opened using my information with capital one bank I did not request this card nor did I apply for this card. The balance as of today is {$840.00} and the credit limit was only {$300.00} I have no other derogatory credit accounts on my credit report.I have been disputing this account for XXXX years. Capital One has not acknowledged in any way form or fashion that I am disputing this account because OF identity theft. I have requested multiple times over the years for them to provide me with something pertaining my signature showing I opened and obtained this account and provided my signature. Capital One reported to all three credit girls that this account Belongs to me and has not provided any proof of my signature that I requested to open this account. I provided to all three credit girls a copy of an FTC report as well as a police report requesting to have this account removed from my credit report. The account was removed for about XXXX months and then on the third month I saw that the credit card account was replaced onto my credit report Im not sure if this is legal however I have reached out to them directly I have faxed over information that they requested and provided a copy of the FTC report the police report and a copy of my identification. Despite my efforts to prove myself to be honest by providing what they requested and work with them to let them know that my identity has been stolen. Capital One continued to reply that that this account belongs to me. however according to the law Capital One is required to provide some thing obtaining my signature and proof the account belongs to me. I still have not yet been provided with that information, I have made it very clear to Capital One that I will continue to dispute my claim with all three bureaus until they have completely removed this account from my credit report. Im not sure if it is illegal for them to remove an account from my credit report for XXXX months and then place it back onto my credit report. that is what has happened each time I made a dispute. This account was open and obtained online using all of my credit information. I am a victim of identity theft. I even suggested that the credit bureaus take a look at my other accounts of good standing and never late. This is the only account for a much smaller amount than what my credit limits are with other credit cards. I have no other debts besides this one. I have XXXX other accounts never late and always paid on time this account with capital one is hurting my credit and preventing me from obtaining other credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have asked the credit bureaus to remove addresses that not mine my correct address is XXXX XXXX XXXX XXXX, XXXX, AL XXXX I am including a bill with my correct address on it .Please DELETE the wrong addresses XXXX XXXX XXXX, XXXX XXXX Ohio XXXX, XXXX XXXX XXXX, XXXX XXXX AL, XXXX. The following jobs are not mine XXXX MO, XXXX XXXX XXXX, UH My current job is XXXX XXXX. I should have ONE variation of my name that is XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Viking Client Services
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I was in a minor fender-bender accident in an XXXX rental car. XXXXXXXX XXXX # XXXX. I have rental coverage with my XXXX XXXX XXXX credit card and filed a claim with Card Benefit Services XXXX  claim # XXXX. 

Viking Client Services has been attempting to collect from me, their claim # XXXX. Apparently XXXX has turned the claim over to a processing company named XXXX. XXXX has claim # XXXX. Rather than contacting my insurance, XXXX has turned the claim to Viking for collection. 

I have reached out by phone several times to both XXXX and XXXX. Apparently XXXX has not responded to XXXX. XXXX informs me that it has been turned over to collections and that they can not recall the claim. 

I have informed Viking that this has been an error and if XXXX wishes to be paid that they can reach out to my insurance. Viking has continued to attempt to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Prosper Marketplace, 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 ordered only a {$700.00} credit card with this company and spent {$650.00} on it planning to pay it back when the account balance was due, The very next day they sent the {$650.00} report to the credit bureau saying i owed them this when i called, the lady explained that they report on the XXXX of every month so i thought it was my mistake but later on i was informed that they report on the end of every month this has cause my credit score to drop from a 670 to a 590 which coupd cause significant financial hardship.

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 2018-02-06
Company: Diversified Recovery Bureau LLC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I have been trying to resolve this issue with Diversified recovery Bureau. They have been calling me, my family members, and friends informing them that I have an outstanding student loan balance for {$2500.00}. I have been speaking to them since XX/XX/XXXX trying to get information about such loan that they are speaking of. On XX/XX/XXXX I finally received an email a 1st notice which was just an attachment letter with the Diversified Recovery Bureau letter head, the amount due and some account numbers didnt specify how or when I received this loan. So I called them back and them that I needed them to send me the actual legal Loan agreement, they werent to happy about that and proceeded to yell and insist that it was going to be a 3 month wait for me to receive such papers that I am asking for. I informed them that I was not just going to pay something that I never received any kind of statement in the mail about or even heard about until now from a collection agency. With that said they kept insisting that my credit score will continue to get hurt by this until it was resolved so if I wanted to wait 3 months that was up to me I told them that was fine I needed the legal documentation before I can proceed with this. The very next day XX/XX/XXXX I received an email from XXXX XXXX from Diversified Recovery Bureau with my enrollment agreement to XXXX XXXX ( that closed down in XX/XX/XXXX ) and a Ledger Card Thats suppose to state such loan. Looking over the ledger card that states I have a {$0.00} balance so I was left confused. I proceeded to investigate and called the department of education, student loan support, and my loan servicer and was informed that no such loan is under my social security. So I spoke to XXXX XXXX XX/XX/XXXX and informed him that I spoke to these and department and they dont see such loan, he then proceeded to tell me that it is not a loan that they are trying to collect but a remaining balance from my tuition that my federal loans did not cover at that point I was convinced there was something wrong. So I called back the department of education and they informed me if it was a tuition fee they are trying to collect they would definitely be able to see it on there end because they have there own collection agencies that handle such manner. They advice me this may be scam and to ask them to stop calling because as far as they can see there is not outstanding balance on my name. They also find it strange that a school that closes down in XX/XX/XXXX is collecting tuition fees. I never opened any personal loans and all my federal loans are in good standing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Experian Information Solutions Inc.
State: FL
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:
This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX  credit report on XX/XX/2018, XX/XX/2018 and XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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 2018-02-19
Company: Experian Information Solutions Inc.
State: CA
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:
Frauding scams IDs frauding my documents and medical record of birth certificate long form of XXXX  XXXX and doctor XXXX Frauding scams IDs and accounts frauding my XXXX country Indiana using XXXX Frauding scams IDs and business using my grandma documents of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana Frauding scams frauding my XXXX Frauding scams frauding XXXX and XXXX Indiana using XXXX IDs and XXXX IDs Frauding scams using XXXX  Frauding scams using school permit and teaching staff and books and books authors and school sports Frauding scams IDs using racing teams and XXXX XXXX and XXXX and XXXX XXXX and 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 2023-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have below the invoice that will be sent off to portfolio recovery associates I want the account updated and removed, as well as all personal history, details, all addresses on file, basically I want my private information out of this and other companies hands immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: CA
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:
The following lenders have accounts opened under my name without my consent. The address they have on file for me doesn't even correlate with my home address. I am a victim of identity fraud, I have filed an FTC report and filed a police report. I am demanding the following listed lenders update my credit report within 30 days of receiving this or I will pursue more legal action to file law suit under fair credit reporting act section 609. 
XXXX XXXX Opened XXXX XXXX in amount of {$2200.00} XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX in amount of {$950.00} XXXX XXXX XXXX  Opened XX/XX/XXXX in amount of {$710.00} XXXX XXXX XXXX  Opened XX/XX/XXXX in amount of {$650.00} XXXX XXXX XXXX Opened XX/XX/XXXX in amount of {$590.00} XXXX XXXX XXXX  Opened XXXX XXXX in amount of {$330.00} Below I have attached my identity theft report that contains additional creditors who also have unlawfully opened accounts under my name.

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 2018-02-06
Company: STERLING JEWELERS, 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:
I called the company and they said they have no records of me applying so they dont know why the inquiry was on my report. I had receive a note from them and it had an account number and I never applied with them and thats what the agent told me. The inquiry is from XX/XX/2016 I have called these companies all of them I have attached a copy of the inaccurate ones thats on my file I have put a block on credit report because I have lost social Card and when I receive letter of items I apply for I call them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 2 capital One credit cards negative balances on my credit that I did not do or have any knowledge about.they will not let me dispute need to know what going on or who used my name to sign up for capital one. But it was most definitely not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TrueAccord Corp.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent true accord a letter asking them to validate the Debt they were alleging that I owed. On XXXX it was said that true accord received my letter. I have yet to receive the validation of the debt.

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 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a checking account with Bank of America XXXX XXXX branch at XXXX XXXX XXXX, XXXX XXXX, CA on XX/XX/XXXX. I was misguided to open this account under the pretense that having an extra checking account with a low balance will provide extra protection against fraud. This account was left idle and never used for any Banking purposes since I already had a regular checking account and a savings account prior to this checking account opening. 

Little did I know that a monthly maintenance fee of {$25.00} was charged likely since the opening of the account. I can't access the full account transaction history to verify when the first charge was made. I can only view the monthly records from XX/XX/XXXX to XX/XX/XXXX. From XX/XX/XXXX to today, a {$25.00} maintenance fee was charged and a XXXX cent interest was posted to this account. No other transactions occurred on this account. When I called Bank of America, the service rep, XXXX from Washington, verified that she could see further back to XXXX and the same pattern existed ; Bank of America charged me {$25.00} in fee every month for 3 years. She couldn't see further back to the account history to find out when the first maintenance fee was charged. 

I would like to file a sales practices and UDAAP complaint against Bank of America. I was not notified any account maintenance fee at account opening time. Nor did I ever needed this account had it not been for the banker to talk me into it. I would like Bank of America to refund all the maintenance fees ever charged to this account in full and close this account. I am outraged with their misconduct. This account bears no other transactions initiated by me. It shows a clear trail of Bank of America 's greedy operations of charging {$25.00} fee to an account that was never used by the customer month over month for many many years without even a notice to the customer. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: EQUIFAX, INC.
State: FL
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:
This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2018, XX/XX/2018 and XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have taken the Bank Of America Balance transfer promotion on my account in XXXX ( XX/XX/XXXX ) XXXX amounting to {$4000.00}. It was given as 12 months of interest-free with a 3 % of the Balance transfer fee. 

I already set up the monthly payments accordingly, but to my surprise, BOA was charging me 18 % interest since XXXX on the Balance transfer. 
When I called BOA regarding this, they communicated that they cant trace the promotion and hence they are charging me the fees. 

When I told them I took this as a promotion and I can also understand there could be a system glitch that you are not able to see that offer, and I also offered them that will pay the entire amount instantly and requested them to drop the interest charge for that they denied that. 
I feel cheated and wanted BOA to refund the interest they have charged me since XXXX of 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