BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-26
Company: Law Offices of Marvin S. C. Dang, LLC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
**THIS IS NOT A DUPLICATE COMPLAINT** -- Friday, XX/XX/XXXX at XXXX approximately. I called Marvin Dang Attorneys to talk about all the research that we have been doing this year in regards to my XXXX XXXX XXXX XXXX account ending in XXXX. Last correspondence to me through CFPB ( this website ) The attorneys at Dang 's office indicated I owed {$340.00}. I want to pay it today, but they say they need to do more research. I would like the amount of {$340.00} to be paid immediately, yet they need to do more research? Why can I not pay this amount and be done with this? The account according to their correspondence with me on XX/XX/XXXX through this site says that they would " accept payment of {$340.00} under previous terms to settle this matter in full ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: DISCOVER BANK
State: TX
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:
Discover, I'm writing you because you've charged my account with almost XXXX in charges and fees which took place during the time I suffered with Covid19 in spite of regulations prohibiting such charges, this is not acceptable behavior on your part. 
No one should be penalized because of something they had NOTHING to do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
How many dispute letters and CFPB complaints do I have to send to the Credit reporting Agencies for them to finally pay heed to my requests and disputes? For the past 6 months, I have been disputing for the correction of my Credit file by requesting the immediate removal of the disputed accounts and information from my Credit File. I have read that the Credit Reporting Agencies are required to remove the disputed accounts and information that resulted due to identity theft completely from my Credit File. However, this is not the case for my personal disputes. The Credit reporting Agencies have not fully removed all the disputed accounts and information from my Credit File and yet they have claimed that the disputed items are verified and accurate. I have been requesting that if the Credit Bureaus claim that the disputed accounts and information are verified, they should have sent me copies of proof of verification or any documents bearing my signature. This action by the Credit Bureaus is a clear violation of a consumer 's rights under the Fair Credit Reporting act. I am now submitting this CFPB complaint to inform the Credit Bureaus that I am planning to initiate legal actions. Once again, I am needing the Credit Bureaus to remove the following items completely from my Credit File : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00}

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 2022-10-08
Company: EQUIFAX, INC.
State: IN
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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received several phone calls from Comenity Bank in regards to a Victoria Secret credit card. Today XX/XX/2022 after telling them on XXXX different occasions to send me validation through the mail, Friday XXXX being most recent. Approx XXXXXXXX XXXX XXXXXX/XX/2022 My mom answered the phone after they called XXXX  times in XXXXXXXX XXXX from a private/ unknown number. The representative said my name XXXX XXXX, my mom asked who it was she said Comenity Bank in regards to Victoria Secret you made a payment back in XXXX how close are you to making another payment. My mom asked how much is was for she gave her the amount of over {$200.00}. My mom proceed to tell the rep this wasnt XXXX and she paused and hung up. I did not know that my information could be given to anyone who answers my phone. I also dont understand why instead of mailing my letter they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Experian Information Solutions Inc.
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2019-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Company stated accounts verified. No proof of verification although I asked

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 2022-11-21
Company: EQUIFAX, INC.
State: MI
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was told to call and make my payment or schedule payments on the amount owed. Specifically told creditors not to save my bank info and they withdrew amount without my authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Im not able to pull up 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 2019-01-21
Company: Social Finance, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir, SOFI LENDING CORP did not address and properly answer CFPB complaints on fraudulent inquiries ( disputed fraudulent inquiries of SOFI LENDING CORP ( SOFI LENDING CORP ,XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX, Inquired on XX/XX/2017, XX/XX/2017 and XX/XX/2017 ). I have asked 'SOFI LENDING CORP ' only send the letter over USPS with full name, complete address, all CFPB numbers so that I could submit those letters to State of Michigan and Honorable Courts. But, " SOFI LENDING CORP '' did not do and sent fraudulent letters without direct signatures, incorrect last names, not mentioning complete name, not mentioned all the CFPB numbers in the responses and various incorrect information. I am attaching all the letters with incorrect information, unlawful and fraudulent signatures. 
Could CFPB kindly store this complaint, unlawful acknowledgements and attached documents in Fraud, Identity Theft, crime and law enforcement records.

Sofi kept on harassing me with fraudulent inquiries in my credit report, not sending the CFPB response with right details over the USPS. 
I am going to submit all these documents in the identity theft complaint and I never ever had any kind of business with CFPB at any point of time for last 12 years and I do not have any plan to have any kind of business with SOFI LENDING CORP for infinite period of time. If there is any, its fraud and identity theft. Please store all these responses and documents in the archive and law enforcement records. Its harassment and disgusting that sofi creating troubles to me one or another with incorrect details, unlawful signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone opened a XXXX account in my name that I did not autherize, the credit company 's were suppose to verify any new accounts with me as, I have been a victim of Identity theft. I have sent letter to XXXX no response. The person that stole my Identity has been reported to the police, I also reported them to the IC3 per my police department request. Ii can not file a report with the FTC due to Goverment shut down, But I did with my local police department. This account should be blocked, and removed. It should have never been opened without my consent.

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 2019-03-14
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
At the end of XXXX, I sent a request to the credit bureaus to address inaccuracies on my credit file. On XX/XX//2019, I  received a letter from XXXX XXXX XXXX XXXX deceitfully presenting me with paperwork to resemble a " validation of debt ''. Nowhere in this information did the company provide a contract that they legally obtained the debt and was authorized to collect on it. They also failed to provide me with validation of the debt according to FDCPA. This company has willingly, deceitfully, and illegally attempted to collect a debt without honoring my rights as a consumer to validate the legitimacy and ownership of the debt. Upon research of this particular firm, I found several court documents to substantiate that XXXX often engages in these illegal and unethical business practices. They utilize misrepresentation such as seen on page 2 of their letter. They have created a word document and deceitfully represented that as a " validation of debt '' when in fact IT IS NOT in accordance to the FDPCA laws, which they are aware of based upon the numerous lawsuits that this office has had dismissed for this very practice over the last ten years. Yet, then continue to violate the laws they are to adhere to. 

They have harmed me irrevocably caused harm in their continued reporting of a debt to my name that they have failed to validate and provide documentation that they legally obtained this debt. This harm has affected my financial well-being and ability to obtain credit in the past as well as the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Navy Federal Credit Union refuses to accept the fact that my wife closed her account with them 40 years ago. This is despite the fact that there is no account balance either debit or credit, and there has been NO ACTIVITY on the account for +/- 40  years. When my wife recently responded to one their advertisements and tried to create an account, they insisted on using the 40 year old account, and would not use her current legal name. It seems that NFCU refuses to understand that a woman may get married and change her last name. Because of this refusal to use current information that my wife cancelled the account creation process, and has tried several times to get them to quit reporting that She/We have non-existent accounts with them. I never opened any account with them, and they keep reporting that I do have a a credit card account with them. They refuse to talk to me and keep insisting that they can only speak to my wife because the 40 year old totally inactive closed account was in her name, despite being told by her that they can talk to me and THEY ARE REPORTING THAT I HAVE A CREDIT CARD ACCOUNT. If I " have an account with them, I should be able to talk to them about their reporting to the credit bureaus in a manner that affects my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX  my account was limited due to a red flag to the checking account. While contacting the bank, they said they would have to look into my account because I was making too many deposits. They said the account was closed and that I would receive a check with the remaining funds on my account within 7-10 days. The amount of the funds is an approximate of {$22000.00}. I waited 10 days before contacting the bank again because I didnt receive the check yet, they said the check hasnt been sent and they were still looking into my account, when it was supposed to be closed already. They said they would pass a note to say I was expecting my check and that I would receive a notification ( didnt say where ) when the check was sent. I havent received a notification, nor the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I think current and potential customers should be aware that Capital One may make publicly available all credit card statements in a legal proceeding. I had a credit card for approximately 6 years and was unable to make payments due to unemployment problems. I relocated to find suitable employment and was contacted around XX/XX/XXXX by their attorney, XXXX XXXX XXXX. I attempted to set up payment arrangements prior to any legal action being taken and received a stipulation of judgment upon default agreement that included an erroneous filing fee for a case never filed. I did not sign this because it was inaccurate and I was working a temporary position and renting a couch - the likely hood of defaulting in the future was very high. I requested they only contact me in writing ( no email or phone communications ). The next notice I received from them was in XX/XX/XXXX and it was a summons to appear in court. Once again, I was unemployed and unemployment only covered the basics. Mediation was held in XX/XX/XXXX, I was fighting this in part because the original customer agreement stated only Virginia and Federal law would be applicable and also because I was recently diagnosed with a condition that required XXXX and time off work to recover. They did not have a copy of the original contract so when this case went to trial in XX/XX/XXXX XXXX XXXX XXXX filed 6 years of statements with the court to prove their case, which made them public record. They did not redact any information on the statements and did not file any motions to protect any of this information. During trial I commented on this and I have attempted to file a motion with the court to correct their error. They continue to tack on erroneous fees. Included in the judgment are 3 fees that occurred prior to the case being filed with county court and they attempted to simultaneously garnish my wages and levy my bank account. If I had been more forthcoming with them and made payments, they would have been successful in taking all of my money shortly before I was scheduled to have XXXX and was physically incapable of working for several weeks. Unfortunately, this also means they have filed three different writs since XX/XX/XXXX and the judgment now includes {XXXX} in alleged court costs. Of course I ca n't afford to hire an attorney and I have filed motions pro se with the court, but I do n't even think the court is reading what I file. None of my other creditors were this aggressive, I made arrangements or settled with almost all of the others. Now they will suffer for being decent because bankruptcy is the only option I have to deal with this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: JPMORGAN CHASE & CO.
State: TX
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 was charged {$480.00} and {$75.00} on XX/XX/12 from XXXX. I disputed this amount with the bank. The bank issued a credit due to the dispute and XXXX sent refund check for each amount. The checks were cashed. XXXX billed me for both of the amounts. I contacted the bank 's chargeback department numerous times. I also went into the bank. I was advised to pay the charges. I did pay the invoices from XXXX. The bank has now rebilled my account for these charges.

Company response to consumer: Closed with monetary relief