BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-22
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I closed the Discover Card and they charged me the amount of {$84.00} I owed to XXXX XXXX. However, Discover card has not paid the amount of {$84.00} to XXXX XXXX. Discover card stole my money of {$84.00}. XXXX XXXX is still asking me to make this payment which if I make will be a double payment. I still want the Discover card to be closed. Please make them pay the amount of {$84.00} to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
CMRE is reporting a collection for an account that has never been validated, has re-aged the account to do harm to me, AND is over the FCRA reporting time of 7 years. It was for a medical bill for my daughter XX/XX/XXXX. That was over 9 years ago. I had never heard from CMRE so I contacted them and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XXXX and that it was last active XXXX. That is false. This single account violates several laws including but not limited to HIPPA, FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX, and FDCPA Section XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: EQUIFAX, INC.
State: AE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been disputing this item for about two years. Equifax is showing a tax lien on my credit report. XX/XX/2012 I applied for a sales use and tax lic. in Florida three months later I joined the XXXX and I was away from my home address for two years. When I returned from XXXX XXXX I discovered that the Florida Department of Revenue estimated that owed them taxes and they filed a tax lien in the XXXX County Courthouse. I contacted the DOR and explained that I never started my business so they wrote a letter to the courthouse and all three credit bureaus explain that the lien was filed in error and requesting it to be removed. I have sent Equifax this letter at least XXXX time but they still wo n't remove it. They keep saying that they have verified the information as accurate. They keep contacting the courthouse and I have explained to them multiply times that they need to contact the Florida Dept. of Revenue that 's who filed the lien but they 're not getting it. I am attaching the letters from the FLDOR

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: DISCOVER BANK
State: DE
Product: Credit card
Issue: Rewards

Complaint:
Discover Card announced the XXXX XXXX " promotion '' on XXXX XXXX 2015. The promotion promised " [ f ] rom XXXX XXXX, to the end of the year, cardmembers who pay with their Discover card using XXXX Pay will automatically earn an extra 10 % XXXX XXXX on up to {$10000.00} of in-store purchases. '' ( XXXX ) The details in their FAQ stated " Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with Apple Pay now through XXXX/XXXX/15. No sign up needed. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for more information. " The " Cashback Bonus '' terms incorporated by reference are quite straightforward with few caveats and available at : XXXXThere were no additional terms or conditions specified in any public documentation for the offer. Discover confirmed via customer service channels that the promotion was valid for all in-store purchases and stacked with their existing " Double All Cash Back Your First Year '' promotion that promises all cashback bonuses doubled for 12 months ( with rewards posting in the XXXX or XXXX billing cycle ) making the total bonus XXXX %. 

On or around XXXX XXXX 2015, Discover unilaterally added a sentence to some ( but not all ) public-facing content about the promotion stating simply " Excludes gift cards. " I have made many purchases using my Discover card with XXXX XXXX, and received emails stating " We 're writing to let you know that your XXXX purchase on XXXX XXXX, 2015 for {$500.00} at XXXX XXXX 's, A XXXX included a gift card. The gift card portion of your purchase does not qualify for the XXXX % Cashback Bonus ( R ) promotion. '' and " If you disagree with our finding and contend that your purchase did not include a gift card or a portion of your purchase qualifies per the terms of the promotion, let us know with supporting documentation in the next 21 days. Documentation can include store receipts or invoices, but can not include your Discover card statement. " Nowhere in the original terms of the offer were gift cards excluded, and after the terms were modified ( which does not seem correct ), they did not say anything about requiring " documentation '' proving anything. To add insult to injury the transactions highlighted in the emails did not contain gift cards. When I asked Discover to honor the terms of their promotion, they refused and stated that I must provide receipts or authorize the merchant to provide receipts to them. Their request would constitute an invasion of privacy and they are still not honoring the terms of their promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account stated is not mine as purported by this company JEFFERSON CAPITAL SYST in the amount of {$780.00} with account number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
No answers nor responses and Bankruptcy was NOT removed off ALL my credit reports.

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 2015-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
In XXXX/XXXX/XXXX I transfer {$2600.00} for 0 % promotion rate until XXXX XXXX. At the same time I had another promotion for 0 % rate until XXXX XXXX, and also I was using this card for my daily purchases. Every month I was paying whole amount that I spend on my daily purchases to avoid interest, but my bank use my monthly payments to cover FIRST - XXXX promotion 0 % rate ; SECOND - XXXX promotion 0 % rate ; and after they start to charge me 19.99 % APR even though I still have 0 % promotion rate on XXXX until XXXX XXXX. I did contact bank several times by the phone and in person, but they always had different explanation. After I submit my complain to your agency, I received letter from XXXX XXXX XXXX, Customer Advocate, Enterprise Customer Care Resolution. In this letter he state " Additionally, you accepted a 0 % APR offer until statement closing date in XXXX XXXX for direct deposit and check cash advanced for {$2600.00}, which posted on XXXX XXXX, XXXX. '' I will scan you this letter and my prove that 0 % promotion rate on {$2600.00} was until XXXX XXXX. I called XXXX XXXX XXXX several times, but he NEVER return my calls. I just do not understand how " Customer Advocate " allowed to be dishonest and ignorant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion has been discriminating against me for at least the last 3 month that I could remember. Maybe more I just now catching on. There is alot of incorrect information on my credit report. Wrong address fraud incorrectly showing accounts still open. Problem with credit reporting company 's investigation into an existing problems. Improper use of my report. I'm unable to get a credit report and credit score from Transunion. Credit monitoring and identity theft protection issues. All sorts of different types of issues with this company including f problems with fraud and security freezes. I call them because I've been kick out my own account. I'm left on hold way to long I'd call from another line and Transunion has picked up that other line not knowing who I am b4 the line still on hold. They pretend that they have a deep weird accent not knowing half of what they are saying with noises in the background like If they have the TV loudly. I'll ask them to identify themselves with there worker I'd and they refuse to answer all I hear over the phone is louder noises from the TV in the background and who ever that is on the other line saying HELLO. repeatly HELLO over and over and over again but we were just chatting right before I adked for there identity and numerous times I've been hung up on or they will ask me right before they switch me to the correct department for my contact information in case we get disconnected and they'll lose the call, and do not return the calls.

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 2022-06-20
Company: Experian Information Solutions Inc.
State: MI
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:
THIS ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE REUIN PEOPLE LIVES AND THATS WHEN XXXX AND XXXX XXXX COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION PLEASE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I notified all 3 bureau I was never late They never responded. I contacted XXXX XXXX they said I was never 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 2022-02-23
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
The information being reported is inconsistent or incorrect. I have tried repeatedly to have this information removed. There are several issues wrong with these accounts not being reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, I tried contacting Synchrony Bank/Paypal credit numerous times in regard to suspicious activity and some charges on my account. There was no way to get ahold of them. I tried via telephone, online messaging, and email. Nothing worked and no one contacted me. As a result and for fear of my account being compromised, I put a payment block on Paypal until I was able to speak to someone. I spent over 5 hours on the phone on multiple occasions to no avail. In XXXX of XXXX, without prior warning, I was notified that Synchrony was closing my account. I had still made payments through their online system, however since my automatic payments were cancelled, due to suspected fraud, they closed my account. They sent me a notice stating this and my credit agency notified me that the account was closed with a XXXX balance. Because the account was closed by the bank, this adversely affected my credit report. I verified with my credit agency that the account had been closed with a XXXX balance, sent a letter to XXXX informing them I was told I did not owe any money after they closed the account. After a dispute, the credit agency ruled in my favor and removed the negative remark from my account. Now, four months later, Synchrony is back demanding payment via collection calls and they have once again filed a negative remark despite this having been settled. This is a violation of my rights and I am sick of being harassed by them. I want this to stop and I want my credit report restored to good standing. Maybe Synchrony should focus on responding to fraud investigations and customer complaints more proactively so they dont have to violate consumer rights due to their own mismanagement.

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 2022-06-20
Company: COLLECTIONS USA, INC.
State: CA
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 started receiving calls from a group called Collections USA out of XXXX, AZ. This is from a judgment on an eviction that I had back in XXXX. Because their client XXXX XXXX XXXX gave me bedbugs on two occasions. That's the reason for the eviction. I have spoken with them about this and have for years, despite repeated calls to try to get me to pay the amount. I have told them that I do not have the money and that I owe other debts and that when I get those paid off that I would get to them when it's their place in line. I have told them that I do not want to pay it out of principal on account of the bedbugs. Which is neither here, nor there. During the last couple weeks, I have needed to find housing for myself and my credit is getting ran and they were possibly spoken to by the new apartment leasing company that I applied to - I don't know? But what I do know is that their calls started on XX/XX/XXXX and they called again on XX/XX/XXXX ( I didn't pick up either time ). These calls are coinciding at the same time I am looking for an apartment. Then on the same day XX/XX/XXXX I received a notification from my XXXX credit reporting app that I had another collections account added to my report and I looked and it's COLLECTIONS USA, again. This time saying that it's for the same debt, but for the {$3.00} difference in interest that the court taxes on every month ( the interest I have known about all along and another of their coercion tactics ). But it's saying that this account is from XX/XX/XXXX??? Why is there the original one on there from XX/XX/XXXX too?? This is where I have a problem. It is intimidation on their part and they shouldn't be allowed to conduct business this way if that's how they conduct business. I called and left a voicemail on Friday XX/XX/XXXX and told them to contact me immediately. It had turned into Monday XX/XX/XXXX at XXXX XXXX and I hadn't heard from them and so I contacted them to see why they would put that other flag on there and they told me that " they didn't know? '' but that " they could garnish my wages ''. I told them that I had already done this song and dance with them and that what they was saying wouldn't work. They then said they would have their billing department " look into it '' and " get back to me ''. I then proceeded to tell them that I would be contacting XXXX XXXX  for hire ( which I have ) because I felt that this was " probably not legal ''. XXXX XXXX has stated that they have " dealt with them before '' and that it " isn't surprising what they're doing ''. This is why I am filing this complaint against them, along with getting representation. They are predatory and advantageous at best and I would like them to leave me alone about this and I would like to see that they and the debt go away for their borderline fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: GreenSky, LLC
State: MN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX XXXX, my wife and I applied for a loan to remodel our basement room and qtr bath. Greensky approved us for XXXX dollars. we approved the merchant to take the XXXX first installment. On XXXX XXXX I receive a bill from Green sky for the sum of XXXX. The merchant somehow managed to get another XXXX WITHOUT OUR KNOWLEDGE OR CONSENT. We filed a complaint with green sky as to why we never received our alleged " XXXX '' and as to how the merchant got the sums without our approval. we have had a run around ever since. causing us XXXX monetary requirement for extra appraisals, and green sky hindered the police investigation for weeks before finally approving it, then I am also on my XXXX person handling my case, when I was told a month ago that it was kicked to the top officials for settlement. 
we have showed by letter, photos, when requested, and documents from others that the merchant never did more than XXXX worth of work before we fired them. he never bought material, and we were left with a clean up bill when they refused to come get their mess the merchant has offered XXXX When in fact he took without permission XXXX dollars. green sky sent us our package XXXX XXXX XXXX XXXX XXXX XXXX it came in my wife 's maiden name. we have been married for 10 yrs. also when we applied for the loan we used or submitted to the merchant our Drivers License. It will be 1 yr now since we applied for our loan, and proceeded to do our basement. We have spent close to a thousand dollars for appraisals, lawyers fees,, Yet Green sky still will not admit it sent the sky pass to the merchant directly. there is no other way the merchant could have gotten the money without scanning the bar code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX 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 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 2022-06-20
Company: STERLING JEWELERS, 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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to federal law, this debt has never been validated, please remove it from my consumer credit report. The furnishing of this information is false and misleading credit information. I never validated nor authorized this alleged account to be reported on my consumer report. Attached below are supporting documents. A letter was sent to the company requesting the validation of the alleged debt. No action has been taken. I also have attached a confirmation of correspondence arrival via USPS certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to validate this de bt, 3 se perate times. No one will send me validation of this debt, I tried to call the company  XXXX  Bank that initially held this debt and they said they have nothing on file for me. Neither the credit bureaus nor the creditor has sent me any proof of this account. Not only that, but the initial creditor told me they held no debt for me. I am not getting anything resolved with the credit bureaus nor the creditor and they are violating my rights by not verifying/validating the debt in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief