BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-27
Company: DISCOVER BANK
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with Discover Bank on XXXX XXXX, XXXX during a promotional period that offered a {$300.00} reward for opening a Discover Cashback Checking account and making two direct deposits within 90 days of account opening. During the online application process I saw a notice confirming that the promotion had been applied, but I also called shortly after I had finished applying and had a customer service representative confirm my eligibility for the promotion and that it had been applied to my account. I completed my second direct deposit on XXXX XXXX, XXXX and waited a whole month before calling Discover to ask about the promotional reward ( the offer stated it could take up to 30 days after the second direct deposit to process the reward ). On XXXX XXXX, XXXX I called Discover to inquire about the promotional reward and had a representative confirm both my eligibility for the promotion and that the requirements for the promotion had been met ; the representative said he or she would submit a ticket to the department handling promotional rewards so that I could receive it. After not receiving the reward for several days, I called discover again on XXXX XXXX XXXX and was told the same thing as the call on XXXX XXXX : that I met the requirements for the promotion and that he or she would submit a ticket to the department responsible for issuing promotional rewards. After not seeing the promotional reward or hearing from discover bank for nearly 3 weeks, I called again on XXXX XXXX XXXX and was soon connected to an account manager. The manager I talked to on the XXXX told me that although the promotion had been applied to my account and I received confirmation and met the requirements for the promotion, that I was ineligible for the promotion because it was " targeted. '' I asked the manager to elevate the issue to someone higher and she told me she could file a feedback request on my behalf, but that was the end of that. I have yet to hear back from discover and fear that I will not be contacted yet again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Credit determination

Complaint:
I requested an extension of my creditline, but before I did that I explicitely asked the AmEx creditbureau ( call has been recorded ) if I would get a 'hard hit ' on my creditrating. They explicitely told me this was not the case, so I proceeded. 
I just have been informed that they have put not XXXX, but even XXXX hard iquireries on my creditfile, which is hurting my credit. This is a particular issue because I am an XXXX, and XXXX only XXXX months ago, so I am trying to build up my credit, not break it down ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: PA
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:
I XXXX XXXX XXXX, natural person, living person is giving written instructions to Experian to remove and cease furnishing any and all reporting activities in regards to the accounts above.

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 2022-07-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I previously Submitted a complaint asking for these accounts to be deleted since I did not give written instructions for them to be furnished and the company ( Equifax ) responded and said I need to contact the inquiry companies directly and to follow their internal fraud procedures, but they ( Equifax ) are the ones that furnished the inquiries on my credit report without my permission not the original creditor. I have already sent a complaint to XXXX regarding said inquiries. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: FL
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:
I am currently disputing a negative mark with Equifax for a closed XXXX credit card. the original dispute was over a missed payment in XXXX of 2020. During the investigation process, Equifax corrected the mistake on the payment history but left the comment that first 30 day delinquency was XX/XX/2020. In addition, they then marked my account as having a missed payment in XX/XX/2020! This account was closed in XX/XX/2020. How can I possibly have a missed payment 5 months after an account is closed? .. How can you mark me as having a 30 day late payment on a closed account???!! and it clearly show in the payment history calendar there was no missed payment in XXXX yet the date of first delinquency is still listed as XXXX? do they even inspect what they are putting on someone credit for accuracy?? Stop marking payments as missed for the month an investigation is being conducted. every time i dispute a mistake, it is made worse by the investigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
There are two fraudulent accounts from Capital One Bank USA # XXXX in the amount of {$1100.00} & {$1100.00} that were disputed and removed from my credit report. They are now back on my credit report after my dispute was resolved and debts were removed. Per the representative at XXXX  they stated that Capital One Bank USA unblocked the debt and XXXX  has no way of re-blocking the debt back. Which is odd because XXXX   have the ability to unblock and block accounts. Per Capital One they are stating the accounts belong to me due to a fraudulent address and number that was provided to them by XXXX  that the account belongs to me. 

The Capital One accounts are fraudulent. I have NEVER lived at XXXX XXXX XXXX XXXX nor have I had a phone number as XXXX. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore Capital One needs to please provide me with a copy of all the following : An explanation of what this alleged account balance is for.

A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

Documentation showing I agreed to pay this debt The Agreement that grants you authority to collect on this alleged debt.

A copy of your state license, including license number.

If they can not validate these debts ; then these accounts will need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a notice from XXXX XXXX XXXX XXXX. today, XXXX XXXX for the first time and the notice is dated XXXX XXXX offering me Tax Season Discount Opportunity to pay account balance of {$8600.00}. According to the notice, Citibank was the original creditor. I have lived at my current address since XX/XX/XXXX and this is the first time I have been contacted about this debt. I also have a freeze on my credit since around XX/XX/XXXX and I have no collection on my credit report. I do not owe any debt that I have not paid. This collection agency failed to first write attempting to collect a debt letter. This collection agency failed to grant this consumer the opportunity to dispute the debt. This collection agency demanded payment whether or not this consumer in fact did owe this debt. I dispute owing the debt in question. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: CURO Intermediate Holdings
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1 )  XX/XX/XXXX {$400.00} loan taken out with SPEEDY CASH. Loan Number : XXXX 2 ) XX/XX/XXXX {$70.00} payment made on loan XXXX 3 ) XX/XX/XXXX Loan paid off. Speedy Cash received ACH/EFT payment for loan number XXXX in the amount of {$380.00}. 
4 ) Early XXXX XXXX XXXX XXXX  XXXX contacts me about a delinquent debt with Speedy Cash. They do not offer to send written validation of the debt and threaten me with jail time if I do not pay. 
5 ) XX/XX/XXXX I call XXXX XXXX XXXX to get more information. They will not tell me the original loan amount, they will not send written validation, they say that they can accept payment of {$1000.00} today or send my file to XXXX County court. I ask if they need my address for a summons and they claim to not need to send me a summons. 
5 ) XX/XX/XXXX I call Speedy Cash. They ensure me that I only ever took out one loan for {$400.00} and it has been paid off. They are sending confirmation to me within the next 24 hours. 


Company info : 1 ) Speedy Cash XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX 2 ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: FIRST ADVANTAGE CORPORATION
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
First Advantage XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX provided an incorrect information on the background report contacting the wrong Company XXXX  for verification on XX/XX/2022. placing that my education tittle was refused causing delays on my starting day of work. 

This wrong process is holding my future employer to starting me on the new job. 
The Education reference from XXXXXXXX XXXX XXXX XXXXXXXX for my XXXX  diploma on XXXX XXXX XXXX XXXX XXXX XXXX XXXX has to be collect from The Department of education of XXXX. 

Missing and information not provided because they are calling to a different place that is not the right place for the XXXX de XXXX XXXX. 
I'm including the XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the list of the close institution and request transcriptions, however i am providing them as a support of my education to be correct ASAP. 

must call to the Department of Education in XXXX XXXX for XXXX XXXX XXXX XXXX, XXXX XXXX PR XXXX EMail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Credits and XXXX showed under my original birth name XXXX XXXX XXXX XXXX that was changed legally XXXX  years ago to XXXX XXXX XXXX and all the federal and state ID at up to date with the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: United Recovery Solutions
State: NY
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:
On Friday XX/XX/XXXX I spoke with United Recovery, a debt collection agency regarding a XXXX credit card with an outstanding balance. The collection agency called my place of employment, XXXX XXXX, at XXXX. This number leads to an automated system explaining it is XXXX XXXX, and clearly not a personal number. I informed the gentleman on the phone that I am unable to take personal calls at work, and not to call me at this number again. I politely informed him I would call him regarding the matter from my personal phone when I am off the clock. On Monday XX/XX/XXXX at approximately XXXX XXXX, the same debt collector called my employer yet again, after being informed not to on a recorded line. My manager happened to answer the phone, and I was scolded for having personal calls at work. This is unacceptable and can jeopardize my job. We have a strict policy on personal calls at the bank, and I told them of this. They have disregarded my privacy and request.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-15
Company: Nelnet, Inc.
State: VA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
The student loan account balance is incorrect. It shows balance total on my credit report is {$11000.00}. It should be {$6200.00}. I can not get XXXX XXXX credit reporting to correct it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act under its laws : XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy in accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not given permission for XXXX XXXX XXXX to furnish and or report any of my account information to the public or any credit bureau agency without accurate compliance with State & Federal Laws being applicable throughout. 15 U.S.C 1681 Section 623 ( a ) ( 1 ) ( A ) also prohibits furnishing information to any CRA if the furnished " knows or has reasonable cause to believe that the information is inaccurate '' which in this case it is. This information is inaccurate. I appreciate your prompt attention to this matter. Given that the furnisher has violated my rights, I am challenging this account. I am formally requesting this account be removed, deleted, and excluded immediately. This improper reporting is against the law. Thank you for your time and help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Contacted both Experian and XXXX  about late payments that XXXX XXXX had on my credit report. I provided proof that payments were made. I uploaded copies of my bank statements that showed payments were made through online transfer to XXXX XXXX directly on each of the months that XXXX  XXXX was reporting late. Proof was in all three statements. 

Experian and XXXX  kept returning my complaint saying it was verified late. HOW? If I am providing proof of payments from an FDIC Bank XXXX XXXX XXXX proving payments were never late. I called and was hung up on each time. ( its impossible to get anyone to help. ) I spoke with at least 10 agents from each credit bureau and each time they would hang up. Coincidence or bad business practice?

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 2022-07-15
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have family members with the same name. I have also been a victim of fraud and breaches. This is all public knowledge. This causes a issue with creditors mixing up information. I have an alert on my credit to warn creditors to verify information and how to reach me directly. This account does not belong to me I have been disputing it for years with all 3 reporting agencies. I have never received a letter, any notice, communication, I reached out to the original creditor and this account information has identity variations from mine which led to us to attempting to locate it on the phone for over 2hrs and me speaking to multiple supervisors. If I received no written notice prior or no response to my request following this incident, how can I protect myself as a consumer or correct a issue. How can you ethically- expect to to hold me responsible for this account? This company and the debt collector failed to provide me with ANY documentation, this includes prior to selling my personal information to this new debt collection legal agency. I never received a letter with my consumer rights, or a notice of debt collection. The debt collector has also not reached out to provide me with my rights I continued to dispute requesting any documentation in writing via mail never received any communication directly from creditor or debt collector. This is Deceptive And Unfair as it portrays to be a account that belongs to me but has no proof and my credit has suffered the consequences. While attempting to utilize my credit this negative impact is Publicized and embarrassing to my financial reputation and the current creditor has not reached out to me with the original contract yet. Please remove this account from XXXX XXXX and XXXX. This is listed as a Collection as of XX/XX/2018 it has hindered me for four YEAAARRRRS, even in a pandemic and national economic hardship. I think I have suffered and been lied to enough as a minority just learning about financial literacy i feel cheated out of the opportunities i could have had financially if i would have known my rights sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I 've made investments with a company thinking I was taking steps to owning my own business. But it turns out to be fraud and I contacted the merchant for months asking for a refund and the said they have nothing of mine on file. I 've called my bank and my bank said the can not help with my dispute its out of there reach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
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: Reporting company used your report improperly

Complaint:
I disputed XXXX tradelines from XXXX XXXX XXXX XXXX Equifax in XX/XX/2022 and they verified items were accurate. I also filed a complaint with the CFPB in 2022 and Equifax claimed they were working on the issue and items were verified with no proof of the Method of Verification under the Freedom of Information Act as shown below. They deleted these items without my knowledge where I just recently found out these items were removed that initially caused me financial stress and there has been no letter to indicate the changes sent to me. The credit reporting agencies have a duty to the consumers to report accurate information therefore, they did not do this instead they claimed someone verified when in fact they were not. Please see original complaint with the CFPBXXXX They failed to provide the Method of Verification under the Freedom of Information Act see below when I initially requested the information & I am requesting compensation for their failed negligence. 

XXXXThe contact number and name of the person verifying this debt, XXXX. This persons position, XXXX. All the information pertaining to this debt, XXXX. All evidence that this debt exists, and XXXX. How you verified this debt I have attached the old report for review where these tradelines were there and now deleted without a letter sent showing this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ), and also The Federal Trade commission states payment must be credited the date it was received. I filed a complaint with Ocwen Mortgage company by phone and they replied XXXX XXXX, 2016. They stand firm with processing the XXXX XXXX Payment the following day instead of the day received. This violates Fair Reporting practices and Loan servicing rule. Any assistance you can provide will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen consistantly provides inacurate information regarding payment amounts. We have been denied credit due to the the negative information on our credit report. I have been trying to get this revolved for 1 1/2 years. The State Department and the State attorneys office have both told me to retain a lawyer. I would but I do not have the funds available to do that..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
This complaint is regarding a charge of {$170.00} from XXXX. 
The services paid for were for swimming lessons, which were cancelled because of CORONAVIRUS. 

I submitted a dispute requesting that we should not be charged for this service because the lessons were cancelled. The business owner is declining to give the money back. So, we paid {$65.00} activation fees ( in XXXX ) and {$170.00} for XXXX lessons. 

Only two lessons were held. The {$170.00} should be fully refunded. We are glad to let the business owner keep {$65.00}. 


I am filing this complaint because Bank of America never settles a dispute in the favor of individuals. It always sides with the merchant. I am requesting CFPB to please ask BOA to settle this dispute fairly.

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