BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-14
Company: BARCLAYS BANK DELAWARE
State: MS
Product: Credit card
Issue: Billing statement

Complaint:
After faithfully paying this card online and getting statements, I logged myself out.I could n't pay I called in XX/XX/2015 to pay they said they could n't find my account so they told me to wait until they find out.Before the due date on XX/XX/XXXX, I called on a Thursday 2 days prior, they could n't take payments on the phone and they could n't reactivate online access due to the credit card being close previously. They said to overnight a payment. By now, I had no mail no email statement either. I didnt have assurance that mail will reach them on time. I was told I was getting LATE fees by now. Finally, I got an email payment reminder only on XX/XX/XXXX. I mailed the money but I did n't have the full statement. They money was cashed by them. I mailed them a letter XX/XX/XXXX and 10 days ago an attempted was made to speak with them to no success. I have no bill and I had to miss this month payment.

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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX Account Number XXXX XXXX XXXX Account Number XXXX These accounts are inaccurate due to the facts on the documents that are attached. 

15 U.S.C 1681 section 604 A section 2 : it states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section 602 A states I have the rights to privacy.

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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I SENT THREE CERTIFIED LETTERS TO ALL THREE CREDIT BUREAS PROOF SUBMITTED AS WELL THIS COMPANY XXXX XXXX XXXX XXXXAccount # : XXXX NOT VALIDATE THE DEBT OR RESPOND THATS A VIOLATION OF 15 USC 1692 ( G ) ( B ) I ALSO SENT PROOF WITH TRACKING INFO SHOWING IT WAS DELIVERED TRANSUNION XXXX XXXX XXXX IT DID NOT INVESTIGATE VIOLATION OF 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. I NEVER RECEIVED ANYTHING FROM EITHER COMPANY WHICH IS A VIOLATION OF 15 USC 1681 SECTION 611 ( 2 ) ( A ) I WANT THIS ACCOUNT REMOVED ASAP AND PLUS THIS COMPANY IS NOT REGISTERED WITH DCLA DEBT COLLECTIONS LICENSING ACT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-21
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
On XXXX XXXX, XXXX, I received a wage deduction summons from the XXXX Court of XXXX County IL for a debt to Discover Bank in the amount of {$9700.00} plus cost for a total balance of {$15000.00}. 

I do not owe this debt as it is not my debt. My mother, XXXX XXXX was the primary account holder for the Discover account. I was merely an authorized user on the account. My mother filed bankruptcy in XXXX XXXX and Discover was listed among her creditors with an amount owed as {$9100.00} In XXXX XXXX, this debt was discharged. Please see attached documentation. Discover is illegally trying to collect on a debt that I do not owe. This is an unethical practice. Any assistance the CFPB can provide in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: DISCOVER BANK
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was offered a promotion to open a checking account with Discover Bank. I had to meet a requirement to earn this promotion. The details were clear on my account application. I decided to open the account. I set up direct deposit with my employer and this has been ongoing. The requirement to earn the account promotional bonus was to set up direct deposit totaling at least {$500.00} within the first 90 days. Discover Bank received the second direct deposit on XXXX XXXX, 2015 that put me over {$500.00} in total direct deposits. This account was opened on XXXX XXXX, 2015. The details of the promotion/contract that I accepted was that the promotional bonus would be credited to my Discover checking account within 30 days. I continued to monitor the status of this promotion leading up to XXXX/XXXX/15 and had been assured both in writing and verbally that I had met the requirements of the promotion and that my bonus would post on or before XXXX/XXXX/15. The bonus did not post to my account on XXXX/XXXX/15 and I waited a few business days and then called Discover Bank once again, and contacted them in writing. Discover Bank has refused to credit the bonus to my account. I have fulfilled the terms of our agreement and am asking that this bonus be posted to my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/XXXX US DEPT OF EDUCATION states I owe XXXX, XXXX. Thus amount is what I owe for attending UNIVERSITY OF XXXX start year XX/XX/XXXX. 

Please know that I XXXX XXXX was in the XXXX grade attending XXXX XXXX at XXXX XXXX XXXX XXXX Located in XXXX NC XXXX they contact info is ( XXXX ) XXXX. I have been trying to speak with this company numerous of times. They can not provide documentation to identify me. Section 611 ( c ) 15 U.S. Code 1681i University XXXX XXXX XXXX : Deceptive Advertising for Graduate Employment. In late XXXX, the University of XXXX was hit with a record-breaking {$190.00} XXXX lawsuit settlement by the U.S. Federal Trade Commission XXXX This is public records. I never attended that school. I was in the tenth grade at XXXX XXXX XXXX XXXX XXXX That year I was suppose to be going to this university. I never lived at the resident that was associated with the school documentation. I have been calling the school trying to get all documentation. They stated I couldn't due to the fact I couldn't pass the test questions. I am asking for a removal off my credit. Due to the inaccurate information that was used with this school.

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 2022-05-23
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/XXXX US DEPT OF EDUCATION states I owe XXXX, XXXX. Thus amount is what I owe for attending UNIVERSITY OF XXXX start year XX/XX/XXXX. 

Please know that I XXXX XXXX was in the XXXX grade attending XXXX XXXX at XXXX XXXX XXXX XXXX Located in XXXX NC XXXX they contact info is ( XXXX ) XXXX. I have been trying to speak with this company numerous of times. They can not provide documentation to identify me. Section 611 ( c ) 15 U.S. Code 1681i University of XXXX XXXX : Deceptive Advertising for Graduate Employment. In late XXXX, the University of XXXX was hit with a record-breaking {$190.00} XXXX lawsuit settlement by the U.S. Federal Trade Commission XXXX This is public records. I never attended that school. I was in the tenth grade at XXXX XXXX XXXX XXXX XXXX That year I was suppose to be going to this university. I never lived at the resident that was associated with the school documentation. I have been calling the school trying to get all documentation. They stated I couldn't due to the fact I couldn't pass the test questions. I am asking for a removal off my credit. Due to the inaccurate information that was used with this school.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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, XXXX XXXX, the consumer, have contacted CAPITAL ONE on XX/XX/2022, by certified mail which they received XX/XX/2022. CAPITAL ONE, did not disclose to me as required by law that I had the right to opt out of my nonpublic personal information being disclosed to nonaffiliated third parties. CAPITAL ONE has continued to report to the credit reporting agencies after my notice and demand to stop sharing personal financial information with unaffiliated third parties. CAPITAL ONE is in violation of the Gramm-Leach Bliley Act and the Fair Credit Reporting Act these violations are listed : 15 U.S.C. 6801, 15 U.S.C. 6802, 15 U.S.C. 6803, 15 U.S.C. 1681a ( XXXX ) ( A ) ( i ), 15 U.S.C. 1681a ( XXXX ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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 have been disputing with equifax for several months about an account that was fraudulently opened on my credit profile. the account is with XXXX. i attached my ftc affidavit as requested and equifax continues to say the account is verified to be mine/accurate. this account being reported as a charge off is damaging my credit and is preventing me from obtaining lower interest rates on future lines of credit! equifax did handle this investigation properly and also violated the fcra by not deleting the account from my credit report. this has caused so much emotional distress!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Hello, my name is XXXX XXXX and I am a 2011 graduate of XXXX XXXX University with a student loan outstanding debt ( XXXX XXXX, Discover Bank ) of a small house in the country. The only major problem I have with that is the outstanding amount the loan company asked me to pay every month, which I was n't able to do. It 's the equivalent to a monthly lease on an apartment. This caused me to be referred to a lawyer firm to " collect debt '', XXXX XXXX XXXX to be exact. I 'm constantly being harassed that I should settle or increase my payments. Both of which I ca n't do because I do n't make that amount of money to be able to do just yet. I 've asked to be on a lower payment plan and I was denied. I 've asked what other options I have that could be worked out with me having to pay rent, eat, actually go to work to make money, etc. Nothing is really being done apart from the phrase " if you do n't increase your payments soon, there is n't much I can do. I 'm doing the best that I can, but clearly it is n't enough. The flip side to that is that I did n't land a job in the field that I graduated from. I 'm using what I did go to school for just a little bit. In all reality, I could 've just purchased software and used trial and error to figure this thing out. Now I 'm stuck paying this super huge amount of money back and the only thing I feel like was actually worth asking for a loan was the living expense that helped me get started in a new city as a young adult. At this point, I 'm sure I 've paid off that amount of living. 

In all reality, I do not believe that XXXX XXXX University is worth taking out this much debt unless you already have something established prior to attending. After doing research and hearing the amount of complaints with this school and the graduation rate, the proof is there. I have contacted the other student loan help ( which worked ) concerning federal loans ( subsidized, unsubsidized ), now I would like to have my private loans reviewed to hopefully get a similar result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: GA
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:
I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: SYNCHRONY FINANCIAL
State: MS
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 just received a call at my office from Synchrony Bank in an attempt to collect a debt from a XXXX ( I am guessing at spelling of name. We get these calls all the time at our home and now I am getting them at my office and no matter what we tell them we continue to get called. My wife and I have been married 21 years and have had the home number of ( XXXX ) XXXX for that entire time. I have had the office number of ( XXXX ) XXXX for at least 5 years and there is no way these numbers ever belonged to XXXX XXXX. Getting the calls at my home is annoying enough. Now we are getting them at my office!!!!! 

XXXX of the collectors indicated the debtor had used our phone number. This is not true, they were phishing in an attempt to collect the debt and have harassed us every since.

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 2022-05-23
Company: ACIMA CREDIT, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Last year early summer. I started having {$26.00}. Taken from my banking account every other week. Unrecognizable transactions. the company name was ACIMA XXXX XXXX XXXX. AS OF XXXX, 2022 its stated as charge off. I have also sent my bank XXXX XXXX XXXX XXXX information and they investigated the matter. I was rewarded my money back from all the months ACIMA XXXX XXXX XXXX was taken out which was XXXX dollars total. I have did a police report. No Leads. The wrong social security numbers were used. They had all my information except for my birth date and social was wrong. Which is an unauthorized use of my information. 


Penal Code 530.5 PC N.C. Gen. Stat. 14-113.20

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I ordered a tablet from XXXX ( order # XXXX XXXX, and my credit card was charged, however I never received the tablet. After a couple of weeks, I called XXXX and told a representative that I had n't received it. He told me that according to the tracking information, it had been delivered. I asked who had signed for it, since I had been home, and he told me a signature was not required. I explained again that I had not received it, and asked them to credit my account or send a replacement. He said that he could n't do that, so I asked to speak to the supervisor. After speaking to the supervisor, he told me the information given by the representative was incorrect, and I would be issued a refund within 10-12 business days. Two weeks later, I received my credit card bill, and the refund had not been issued. I disputed the charge with my credit card company XXXX Discover XXXX, and they said that according to the information given to them by XXXX, the charge was valid. I called Discover and explained the situation to them, and they re-opened the dispute, however I just received another message stating that according to the information given by XXXX, the charge had once again been found to be valid. Not only did I not receive the merchandise, but XXXX agreed to refund this amount, and now they are forcing through an invalid charge on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX XXXX has taken legal action without attempting to agree on payment plan or settlement agreement. I have requested to speak to the person in charge of wage garnishments and I have been ignored. Plus, I have been threatened to pay the bill in full without a chance to reverse the wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions 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:
I recently filed a complaint, your ID number XXXX. 

The investigation for this account on my credit report has exceeded the 30 days allowed for investigation. I have attached the images below confirming when my original letters were submitted to all 3 Credit Bureaus which confirms the dates of receipt. 

Per the FDCPA, under law, if a credit reporting agency fails to complete an investigation within 30 days, the account/and or trade line must be removed. 15 U.S. Code 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: DISCOVER BANK
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Discover has repeatedly violated and presently routinely violates Indiana and the Federal Fair Debt Collection Practices Acts by : 1. calling right at ( XXXX ) or after XXXX. 
2. calling at my work phone/phone numbers which I have informed them is an inconvenient number to call me at. 
3. refusing to communicate with me via method most convenient for me ( email ). 
4. failing to notify me that any information is used for purposes of collecting a debt. 
5. using deceptive acts to collect a debt ( using false numbers/ghost numbers to contact me ). 
6. harassing me and threatening illegal collections practices. 
7. harassing me calling me at times over 50 times a day. 

XXXX has repeatedly failed to work with me in good faith so that I can me meaningful, and regular payments to pay down my loans. 

Discover has set up a system characterized by subterfuge and chicanery such that the put their student loan debtors in a catch XXXX situation where they are unable to make full payments and unable to escape Discover being the creditor. Discover has unilaterally set out to ruin my credit and keep me within their system of ineffectual " payment options '' which only results in growing the debt for Discover and further ruining my credit. Discover has modified the promissory note and offered a reduced payment option based on my income then arbitrarily and capriciously refused to accept the reduced payments. Despite me not being able to make their excessive monthly payments based on my salary Discover has failed to work in good faith with me to keep my loans current. Instead, not accepting the payments I could make as full monthly payments, Discover aggressively, maliciously, wantonly, willfully, and intentionally made negative reports on my credit history. As a result when I have tried to consolidate my loans through Discover and/or other institutions I have been invariably denied. Discover has created a system where it keeps its debtors financially disenfranchised and works to only increase the debt they own. 

Discover most recently in XXXX of 2016 fraudulently induced me to enter into a repayment plan to bring my loan " current '' with the promise of consolidation ; however after accepting 3 monthly payments from me, Discover failed to consolidate my loans ( all of which they own ) via its own consolidation department due to a poor credit score -- a credit score which they themselves have created due to their failure to work with me. Throughout this timeframe, Discover continued to make negative credit reports to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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 : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/2020 Balance - Status Paid, Closed

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