BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-11
Company: DISCOVER BANK
State: MA
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 had my identity stolen and information was used to open credit cards and other accounts. I filed a report with the federal trade commission ( FTC ) and a police report. They gave me a report to send to the credit card companies and the credit bureaus. I did as they asked and the cards that were opened fraudulent were removed but except one credit card ( Discover Credit card ). I have filed multiple claims with them to for an investigation and they keep saying its mine even though I sent the Reports. I filed disputes multiple times with the credit bureaus and discover keeps telling them the account is mine. I was not in the country at the time this discover credit card was opened and I have sent discover the travel itinerary also and they still wouldn't belive this account was fraudulent. They keep making excuses that they can't read the itinerary, even though I have sent it to them multiple times via mail/fax/email. 
I got fed up with their negligence and called them again to see how I can have this problem resolved. They advised me on a recorded phone call that if I make a payment to them as a settlement even though this account is not mine that they will remove it from my credit reports. I made the payment to them in the amount of {$630.00}. I called back to check with them if they had updated the information with the credit bureaus. Then I was advised that they the representative had made a mistake by telling me the information about getting rid of this problem and that now since I have made a payment on this account that means that I have accepted responsibility for this account. This is fraud. They are defrauding people such as me. I have been defrauded before for my identity and now I'm being defrauded by discover all over again. I need this matter to be looked into and resolved please. Discover needs to be investigated for this fraudulent action they took with me and false promise. If they remove this account from under my name as they promised i will look into taking further action. Thank you very much for your help and I hope to hear back from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Performance Settlement, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I contracted with Performance Settlement, a Debt Relief Services company, to negotiate with my credit card companies and personal loan companies to settle my accounts for lower amounts. However, over the span of 2+ years, I paid them over {$7000.00} and Performance Settlement has not settled any of my account. They send me letters telling me the accounts were settled, however, when I contacted the companies all 4 said they had not received the payments as Performance Settlement informed me. In one case, PS debited my account {$640.00}. and paid into someone's account. All documentation is attached. Initially, I attempted to resolved the issue directly with PS. All I received was 'stonewalling ''. Then on XX/XX/XXXX, I contacted the XXXX. PS gave a feeble, inaccurate reply, which I countered every point. Although, PS is an active member of the XXXX and is required to reply to consumer complaints, the XXXX   has not been able to get another reply from Performance Settlement. The XXXX   referred me to you for assistance. Their website offers a 'money back guarantee ' if one is not happy with their services. PS should stop operating a sham and return my money. {$7000.00} is a lot of money to waste if someone is trying to get out of debt like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i sent portfolio recovery associates letters on XX/XX/2021 for the alleged debts of {$330.00} and {$390.00} certified mail and has not receive anything from them concerning this matter, and i also went ahead and sent another letter on XX/XX/2021 and have not heard anything from them.its been over 30 days since my first letters and need to be deleted. This is causing me harm and emotional stress because i can't get anything with the negative remarks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my paycheck via mobile deposit because my bank USAA has not sent over verification my employer for direct deposit. 

They placed seven day hold on my deposit., i need to pay my bills and they dont care to help. 

i will lost light in my home and no food for my kids without my paycheck

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
SYNCB/SYNC BANK XXXX OPEN DATE XX/XX/2019 BALANCE {$4900.00}, CREDIT LIMIT {$4500.00} PLEASE FORGIVE MY DEBT I WAS NOT TAUGHT WHAT CREDIT DOES AND HOW IT WORKS. I WANT TO BETTER MY LIFE SO I CAN BE ALLOWED TO BORROW AND REPAY LATER IN LIFE

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 2018-10-19
Company: Experian Information Solutions Inc.
State: UT
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:
On XX/XX/18, I reviewed my credit report, and noticed two inaccurate accounts. 
1. XXXX ; this account is too old to remain on my credit report. 
2. XXXX XXXX ; This account is too old to remain on my credit report. 
According to the fair credit reporting act, inactive accounts may not remain on a consumers credit report for more than seven years. Both of these accounts are older than seven years and should be deleted.

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 2021-03-25
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.

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 2019-03-29
Company: I.C. System, Inc.
State: TX
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:
sent the police report and ftc violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX the company listed the debt twice on my XXXX credit report. Then tried to call and say they was with the FTC and or I would be turned over to the police for not paying the debt. 

See Credit Report Collections Field.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
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 a vehicle loan through Credit Acceptance. On XX/XX/XXXX, at XXXX, I was involved in a accident that totaled my vehicle. I was not at fault, a lady had ran a red light and hit me. My insurance company ( XXXX ), on XX/XX/XXXX, paid Credit Acceptance in the amount of {$7900.00}, which shows cleared status. Credit Acceptance informed me that I still owed {$1700.00} ( and was sent to collections, even though I have not missed a payment and am in good standing ), which I made payment arrangements ( XX/XX/XXXX ) for {$100.00} a month. They offered me a payout of Little over {$800.00}, but I turned it down due to the negative impact it would have on my credit, I would rather pay it off. Credit Acceptance refuses to update my credit report and my online Credit Acceptance page to show accurate amount owed. They were paid {$7900.00} and I feel my credit should reflect that, they got a huge portion of there money and I am making payments on the remaining portion. By them not updating the correct info, it hurts my credit and makes it harder for me to purchase another vehicle ( which I need ). By updating my credit it would lower dept owed by more then {$7900.00} which to me is significant. I have call Credit Acceptance four times to try and get this issue fixed and they would not do it. I filed a dispute with XXXX. After there investigation, they in formed me that Credit Acceptance stated that the info was correct and that I still owe over {$10000.00} dollars. what kind of an investigation is that, when they just accept the word of a company, that's not an investigation. Its not right that these company 's can do this to people. I have made all my payments, I made arrangement 's to pay off the remaining balance, which I have been true to the agreement. Buy updating my credit to show actual amount owed XXXX true amount ) that helps me to move on and help with getting another vehicle. Right now, my credit gets pulled and all they see is, I owe another company {$10000.00}, which is not true.

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 2019-03-29
Company: Ability Recovery Services, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt does not belong to me. Please remove this 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 2019-03-29
Company: EQUIFAX, INC.
State: NJ
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 many fraudulent accounts on y reports. I have old accounts thats passed the 7 years thats not mines. I need these to removed. I contacted the companies they stated contact the credit bureaus. Its affecting my life for my wife and children

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery has failed to show proof of authority to collect on a credit collections debt they have reported to my credit reports They have not provided any copies of documentation showing they sent any notice prior to this date and are in violations of my rights- Before reporting this is suppose to be sent giving me the ability to dispute this They also have not provided copies of documents proving the amounts they claim is owed- Nothing they have provided show the amounts they claim due I would like them to provide a copy of the notification letter sent concering this debt owed. I would like them to provide a notice from XXXX XXXX XXXX stating that Porfolio Recovery has the rights to collect this so called debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have filed with the FTC and other law enforcement agencies to remove the information from my consumer reports as required however the credit report agencies refused to remove the items listed.

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 2019-01-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase closed my account randomly nearly 3 years ago. I was not given an answer and upon going into the branch as advised over the phone, I was given horrible service and mistreatment. The bankers that are usually nice to me were very cold and mean. I was given no reason as to why my bank account was closed and was told I can never bank with them again or reverse the decision. Ever since Chase switched to chip cards, I had a lot of trouble with my account and people had stolen my information. It seemed like my card was always being blocked for the wrong reason or messed up. Ever since Washington mutual switched to chase, the service has just gone downhill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: AR
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:
This is totally absurd, unacceptable, utterly RIDCULOUS that Experian did not respond within 30 days of my dispute and now refuses to honor my request by falsely accusing me of using a credit repair which is not Illegal. This is a deliberate refusal and violation of the FCRA and I expect you ( Consumer Financial Protection Bureau to hold them accountable. in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. You were advised by me on by certified mail that I questioned the accuracy of fraud related items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX, US Dept of Education, Univ XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX are some of the fraudulent accounts th.at were opened due to my identity being compromised.Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that thi is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 2021-08-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive contacted Experian XXXX XXXX sent all identifying documents over 5 times EXPLAINED IN CLEAR LANGUAGE WHAT IM DISPUTING ETC AND NOTHING WAS NEVER DELETED THIS WAS OVER 3 months ago by law they have 30 days it was well over that time frame I keep checking my report they have the same fraudulent items & inquiries on there even after I sent my police report theft affidavit etc I specifically itemized and circled the items that need to be removed including fraudulent inquiries this is unacceptable XXXX XXXX have me flagged so I cant open a basic checking account they need to remove that ASAP or Ill keep complaining

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20
Company: EQUIFAX, INC.
State: VA
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:
Attempts to establish an online account with Equifax for the purpose of obtaining my credit report and managing the freeze on access to my credit file have failed because Equifax claims my actual date of birth conflicts with the date of birth provided by a creditor ( which they refuse to identify ). My credit file has been in existence since the 1970s. I have no control over typos that may have been committed by someone employed by one of my creditors or by someone at Equifax. Interestingly, Equifax accepts inaccurate data provided about me by creditors but refuses to accept data about me directly from me DESPITE having verified my identity sufficiently to take other actions regarding my credit file at my request. When my wife and I finally got transferred from an XXXX call center to a U.S. ( allegedly ) Equifax supervisor on the phone, she casually hung up on us mid-sentence. Of course, Equifax staff is at liberty to treat consumers with disrespect and contempt as we have no way to opt out of this system. We contacted Equifax via XXXX XXXX, and were told to expect a call from someone within 48 hours. I guess we're supposed to sit by the phone for the next two days? Additionally, it appears that some creditors have misspelled our surname when reporting to Equifax regarding my wife, so she has several aliases that were invented and submitted by creditors on her credit report which she is also unable to have corrected without mailing sensitive personal data to these XXXX. This is absurd! Equifax should have been forced out of business after the data breach. Instead, they have been permitted to capitalize on their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
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: Old information reappears or never goes away

Complaint:
Santander continues to illegally report on my credit a debt that they are claiming. They keep changing the account closed dates, the account number, and the amount so they can continue to report it. They have also fabricated a payment in 2016 so the reporting period would start all over. I have disputed this account both with Santander and with the credit bureaus. They then sold it to a reporting agency and had it reporting to my credit as 3 separate line items. I was able to dispute that due to the similarities. It was at that time that they added a false payment so that they could continue to report this as a bad debt on my credit reports. This debt is passed 7 years and due to their illegal reporting practices it continues to harm my personal credit files as though it is a brand new collection.

Company response to consumer: Closed with non-monetary relief