BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: DE
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:
ATTENTION CFPB THIS IS NOT A DUPLICATE REPORT THIS COMPANY AGAIN HAS VIOLATED MY RIGHTS! 

In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under15 usc 1666 b a creditor a creditor may not treat a payment on a credit card account under an open consumer account as late.

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 2022-09-30
Company: Resurgent Capital Services L.P.
State: CA
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:
Within the past week, XXXX XXXX from LVNV funding contacted a relative, gave detailed and personal information about me, and about the debt owed. She used scare tactics and false information. She also gave out my address, and birthdate, among other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: DISCOVER BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I mailed Discover Bank XXXX money orders. Because Discover is an online bank, I could not deposit the money orders through the online/mobile app, but rather had to mail them for processing. Prior to mailing the money orders certified, I called Discover XXXX times to ensure that I was properly mailing the money orders to the correct po box . The USPS tracking indicates that the money orders were received on XX/XX/2022 ; however, after an investigation, Discover informed me yesterday that it never received the money orders. Further, Discover 's USPS representative stated that it does not know what happened to the money orders that were mailed via certified mail. The supervisor did not offer any options to make me whole. However, she did apologize for any inconvenience. That same day, I opened an investigation with the USPS XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite my previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00} and XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In Accordance with the fair credit reporting act convergent 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 2022-08-24
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:
FCRA violations : inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX  XXXX  XXXX TX Date assigned XX/XX/XXXX XXXX XXXX  XXXX : XXXX View account details Account status Age of Account Late payments Closed 1 year 8 months 6 days 2 Other ( 1 ) XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 2 years 1 month XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 1 month 6 days XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 7 years 11 months 30 days XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 11 years 28 days XXXX - XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 15 years 1 month 11 days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 8 days XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 3 years 7 months 17 days 5 FCRA violations XXXX payments never late XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 7 years 9 months 11 days XXXX XXXX  XXXX / XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 4 months 15 days XXXX XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 6 days 4 FCRA violations : accounts not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Previous address XXXX XXXX  XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, LA XXXX Dispute this

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 2022-12-08
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX Has reported this account on my credit report for longer than they are allowed. This account has been paid in Full Since XX/XX/2015. I have reached out to this Creditor in regard to having this account removed due to the fact that this type of account prevents me from being able to get certain Jobs in my current field.

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 2017-09-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is in connection with data breach with Equifax.. I signed up to get notices if anything unusual happened with my credit on XXXX XXXX, 2017. I have received 3 texts from Trusted ID telling me there is some suspect activity. I tried calling the number they sent only to get a constant busy and then on hold for over 2.5 hours!
I then tried on line and was unable to get through on line either. Then, I tried to get my free credit report from Equifax only to be told it was unavailable. How am I supposed to protect my credit that they exposed if I ca n't even find out what the credit breach may be? I am beyond frustrated and worried about what may be happening to my excellent credit. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: PA
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:
Good Evening, I'm reaching out to submit a complaint in regards to several accounts on my credit report and profile that I did not sign for given written instructions to be furnished on my profile nor report that I've disputed several times via certified mail. 

The dates I've disputed are as follows : XXXX XXXX XXXX. No action was taken by the credit bureaus
. 

In accordance with the FCRA ( Fair Credit Reporting Act ) U S DEPT OF XXXX ACCT XXXX XXXX & XXXX, XXXX XXXX XXXX  XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT 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 states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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:
I am a natural person, I am a living human being, I have right under 15 USC 1681.

Pursuant to 18 USC ( 8 ). I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B ( 2 ). This company also has no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ). Delete these accounts : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-06-09
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:
In accordance with the Fair Credit Reporting act, XXXX Account # 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 2022-10-25
Company: EQUIFAX, INC.
State: OH
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sheffield Financial claims I owe over {$12000.00} for a XXXX. Sheffield also claims the date of deliquency started on XX/XX/2016. However they have failed to provide the date of LAST ACTIVITY or the date the last successful payment was received.Sheffield has also failed to provide a full accounting of this debt which I have requested numerous times. Therefore, I am again requesting a full accounting of this deb, including the payment history and how this debt increased from {$11000.00} to {$12000.00}. I have been locked out of receiving this information online. 
I have attached the small claims lawsuit I am filing today

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 2022-10-25
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-09-30
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2022, I applied for a Discover card and was approved with a {$2000.00} limit. 
On XX/XX/2022, Discover sent me a strange email requesting a copy of my tax returns. 
I called Discover and asked why they need my tax returns for a credit card with only a {$2000.00} line of credit - I asked if this was a standard procedure with all applicants and the Discover agent said it was a standard procedure. 
I do not believe Discover requested my tax returns as part of a standard procedure they do with all applicants. I believe Discover asked for my tax returns for either discriminating reasons or to Obtain more personal information on me which they turn around and sell to data collections companies for more profit. 
I believe anyone reading this will agree with me that it is NOT a standard procedure for Discover to request an individual 's tax returns days AFTER they have been approved for a line of credit. 

I asked discover this question on XX/XX/2022 complaint # XXXX and their response did NOT answer my question instead they provided the following vague response.. Discover card conducts regular reviews to evaluate our customers accounts. As such, your account is currently involved in a regular review. Our records confirm that an email was sent to your email address of record on XX/XX/2022, advising of this process, and the email provided you with the next steps to complete the verification. 

Let me get as specific as I possibly can : Does Discover ALWAYS conduct a regular review on all individual applicants just days after they have been approved? 
Does Discover Demand an approved applicant to provide them with their tax returns on lines of credit under {$3000.00} every time or most of the time? 
Does Discover have information on me which provides them with my XXXX or XXXX of my skin? 

Discovers actions have harmed my credit by adding account closed by grantor by the inquiry they placed on my credit report and by takig away my line of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: VA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: The CBE Group, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from The CBE Group today Reference : XXXX saying I owe the Department of Veterans Affairs Account # XXXX. This not true, I do not owe them anything. There's no way I was turned in for collection from XXXX to XXXX, check your records again!! I paid them {$710.00} on XXXX and {$65.00} today ( just to be sure ). The Account # XXXX does not match any of my account # 's, Not even close!!! This a scam!!! Do Not Contact Me Again!!!

Company response to consumer: Closed with explanation