BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-14
Company: DISCOVER BANK
State: VA
Product: Credit card
Issue: Bankruptcy

Complaint:
I am writing to you because I have no other alternative. I can not stand for my rights to continue being violated by Discover Bank. 

The root of the situation is that Discover Bank is reporting my credit card opened on XXXX XXXX, 2011 as Status - Account included in Bankruptcy. THIS ACCOUNT WAS NEVER INCLUDED IN BANKRUPTCY. 

The Chapter XXXX bankruptcy that I filed was a business bankruptcy and the discharge did not include any of my personal accounts. 

The credit bureaus keep telling me that they ca n't change the " Status - Included in Bankruptcy '' tag, because they say that it was reported to them by Discover Bank. 

I have provided documentation to Discover for over a year, just to fall on deaf ears and not have any of my calls returned. 

Discover has treated me like a second class citizen and has completely disrespected me at every turn. Because of this experience, I feel like I have been maliciously violated and deeply wounded by Discover. 

Having this mortgage incorrectly say that it was included in bankruptcy is stopping me from getting a small business loan needed for my business to operate. This is like pouring salt into the wound. 

I am begging you to demand that Discover Bank send me a letter of apology for these violations of my Civil Rights. 

Additionally, please have them immediately remove any reference to Status - " Included in bankruptcy '' from my consumer credit files with XXXX, XXXX, XXXX and XXXX credit bureaus. 

Thank you VERY much for existing to help the " little guy '' in this world. I very much wish that there were more of you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We have received a letter from American Profit Recovery ( a collection agency ) on XX/XX/XXXX, dated XX/XX/XXXX, to collect {$600.00} on behalf of XXXX XXXX. The payment is requested against an XXXX treatment for my daughter that was completed in XX/XX/XXXX. All the bills were cleared and closed in XX/XX/XXXX. However, without any written or verbal communications from the XXXX XXXX administration, we received a direct letter from the collection agency after over two years to pay an amount that we were not aware of or agreed to. In addition, XXXX XXXX is not interested in discussing the matter nor has agreed to provide any valid reason why the collection agency has contacted us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX XX/XX/XXXX. Prior to my XXXX I met the family deductible and paid my outstanding deductible in full to XXXX Hospital. Approximately 3-4 months after my XXXX I received a letter from Americollect stating my account with XXXX was past due and they were trying to collect. I explained that this was a surprise since I never received a statement from XXXX since I had my XXXX. Nor did they call us to try and reach out. We were n't expecting any statements from XXXX since I was paid in full for the year. The hospital apparently misapplied a payment that we made in XX/XX/XXXX to my wife 's account instead of mine. She was already paid in full with deductible met so it created a very large credit. They never called to tell her this and it never showed up on her statements. It was n't until XX/XX/XXXX that we discovered this credit. XXXX has been taking from that credit and applying to each bill of hers for XX/XX/XXXX. XXXX never sent us statements because there were no payments due. She should be paying on her account as normal meanwhile my account is sent to collections because of their misapplication of funds. XXXX and Americollect will not help us get this resolved. I immediately filed a dispute letter XX/XX/XXXX when I was first notified by registered mail. My letter quoted the law stating they were no longer allowed to collect this debt from me since it was paid. They ignored the letter and continued calling. The last call they indicated that they would work with XXXX to get this straightened out. It was about 4-6 weeks later and I received a notice that my credit report now has collection on it which ruins my credit score. They gave us no notice this was done. They broke the law by disregarding the instructions in the dispute letter and need to be held accountable. They did n't give us proper information to even try and validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information that your company, Bank of America is still reporting to my XXXX Credit Report and does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I first noticed this fraudulent activity then obtained a copy of my credit report on or around XX/XX/XXXX. I immediately contacted my attorney at the time who advised me to place a fraud alert on my report, which I did on XX/XX/XXXX. I was advised to file a police report regarding the fraudulent and criminal activity on my credit profile. On XX/XX/XXXX I went to the XXXX XXXX Police Department and filed an identity theft incident report, Report # XXXX. I was advised by the investigating officer that this matter would be handled by one of their detectives and to continue to follow up with both the detective and the credit agencies regarding this matter, as the fraudulent items were still negatively affecting my credit report. On XX/XX/XXXX, I obtained another copy of my credit report. Bank of America, was still reporting to my credit report. I then filed an Identity Theft Report with the Federal Trade Commission, Report # XXXX, on XX/XX/XXXX. I also contacted the detective that was handling my complaint with the XXXX XXXX Police Department and let them know that the matter had not been handled. I pulled my credit report again on XXXX, and expected this fraudulent account to have been removed, however it was still reporting to XXXX and XXXX. I have now filed an additional Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, Report # XXXX. I have listed this fraudulent account below as it appears on my credit report. 

Fraudulent Negative Accounts : Bank of America XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account # XXXX Phone : XXXX Open : XX/XX/XXXX Last : XX/XX/XXXX High Credit : {$500.00} Limit : {$3000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can not apply for a job or apply for credit.

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 2016-06-01
Company: Eagle Financial Services, Inc.
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
the person I talked to maked threats to take my things. also maked threats to have me lose my job an also have me on the streets. he came to my job an to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Yesterday I contacted my credit card company, Discover Card, to understand the calculation behind the interest charge on my XXXX statement? It is a simple question. I requested that they provide me a daily breakdown of how the balance subject to Interest Rate is determined. Yes I want Discover to be fully transparent in how they calculate that number. I also requested that they provide me a breakdown of the how annual percentage rate ( 11.99 % ) is applied to the balance subject to interest rate. They were kind enough to deny of my request however they did give me the verbiage in the credit card statement or agreement. Obviously that is not enough because it is not transparent. I am a visual person and need to physically see and verify what they say corresponds with the mathematical commentary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Rent Recovery Solutions
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Bathroom was not working and I continue to ask the landlord to fix it. Bathroom was fix, but continue to have problem with this issues. I explain to the landlord that I could n't wait a whole weekend with a the bathroom being fix. Called some in to fix and they told me that they were not going to paying for there services. Left property due to no bathroom.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can not apply for a job or apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This morning I submitted a complaint about Capital One to the CFPB because the company ran my automatic payment through the wrong bank and refused to assist in rectifying the error. I received notification that my complaint was received by Capital One ; and since that time my Capital One credit card has been repeatedly declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-16
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am filing a formal complaint against JCPenney Credit Services ran by Synchrony Bank. This complaint is addressing a sudden credit line decrease without 30 days of notice. Under Regulation B aka ECOA, creditors are required to provide thirty days of notice when making any changes to an account. Synchrony has failed to do this on two occasions with just this card alone. I have had this happen on my other Synchrony credit cards as well. They say they sent letters, but they never did. This decrease happened on two separate occasions once on XX/XX/XXXX and the other being XX/XX/XXXX. I spoke with a woman named XXXX who said that strangely enough I didnt get letters. I asked for proof they were sent and she could not find any.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: CURO Intermediate Holdings
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I was on XXXX looking at my credit score and I seen a report for an auto loan that I did not apply for but yet it is on my report and damaging my credit. please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
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: Personal information incorrect

Complaint:
My current address is XXXX XXXX XXXX, XXXX, Georgia XXXX. 
My current phone number is XXXX. 
My current employer is XXXX XXXX XXXX XXXX 

Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : Wrong Addresses : XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX. XXXX XXXX  CT, XXXX, GA XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX Wrong Employers : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can not apply for a job or apply for credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: EQUIFAX, INC.
State: NY
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 closed out my account in XX/XX/2019 and still received fraudulent charges. 
Non-Negotiable NOTICE and DEMAND From : XXXX, XXXX XXXX XXXX, hereinafter " Borrower '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX To : XXXX XXXX XXXX, hereinafter " Lender '' XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/2019 RE : Notice and Demand to Cease and Desist Collection Activities Prior to Validation of Purported Debt. 
Dear Account Manager : Pursuant to the Fair Debt Collection Practices A c t, 15 U.S.C. 1601- 1692 et. seq., this constitutes timely written notice that I dispute the entire amount of the alleged loan and that I decline to pay the attached, erroneous, purported debt Notice which is unsigned and unattested and which I discharge and cancel in its entirety, without dishonor, on the grounds of breach of contract, false representation, and fraud in the inducement. 
You have refused to answer my Notice of Adequate Assurance of Due Performance, thus ending the alleged agreement and giving me evidence that you did not follow G A A P. According to the bookkeeping entries, the borrower provided the money or credit, a thing of value, to fund the alleged loan or check or similar instrument in question. Failure to answer my Notice of Adequate Assurance of Due Performance tell me that you acknowledge that I funded the alleged loan and the loan an agreement was stolen and forged, thus ending any claim you have against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX Portfolio recovery reported a {$470.00} collection account to my credit report, I contacted them explaining i never owed this debt however they said " I actually made payments on it '' which never happened they said this was a PayPal card and it had a New York address on it, I contacted PayPal they stated that my account is 100 % clear and i don't owe anything to them, After back and forth i learned that this debt belongs to synchrony bank which i contacted they said they'll file a report and they'll mail me the result within 60 days I've never gotten a single letter. 
On XX/XX/XXXX and 2 years prior to that I was literally living over XXXX miles away from the address they stated. I disputed the item to the credit bureaus but to my shock it came back validated. This collection impacted my credit with XXXX points and made it way harder for me to obtain credit. 
Portfolio recovery with XXXX rating from the better business bureau insisted that i owe the debt, even though i gave up to their scam and paid them the money they'll still be on my report for 7 years, I believe that's highly illegal to play with some random people life 's like that. 
I've got in touch with multiple media outlets and gon na share my story if CFPB did nothing to my case.

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 2017-04-30
Company: WELLS FARGO & COMPANY
State: NY
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 am writing to dispute a situation with  XXXX   XXXX   XXXX   XXXX . They are reporting a negative home equity line of credit account to the credit bureaus of Transunion and Experian. It is past the  XXXX  years that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a longer period of time.     There has been very strange activity with this  XXXX   XXXX   XXXX   XXXX  account. I am disputing items and requesting written documentation from  XXXX   XXXX  documenting all payments made from  XXXX  to   XXXX   as well as multiple consistent 120 day late entries from   XXXX   to   XXXX   I have made no payments whatsoever past 12/2008 yet it shows payments resurfaced and also made consistently, with latenesses, occurring in  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX . Actual pictures of the check or money order used to make the payments are being requested.     I just want to let the CFPB know that the company response is a lie. They sent me a letter to my home on   XXXX   XXXX  . The account number is also incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive disputed these accounts multiple times ive sent multiple CFPB complaints my rights have been violated under FEDERAL LAW 15 U.S. Code 1681b ( a ) ( 2 ) attached is my FTC report and my letter of instruction that was both sent certified mail. There are also two POLICE AND FCU accounts reporting with the same account number that needs to be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive disputed these accounts multiple times ive sent multiple CFPB complaints my rights have been violated under FEDERAL LAW 15 U.S. Code 1681b ( a ) ( 2 ) attached is my FTC report and my letter of instruction that was both sent certified mail. There are also two POLICE AND FCU accounts reporting with the same account number that needs to be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29
Company: NCMI Corporation
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This ordeal began in XX/XX/XXXX when we had our daughter. We fell in love with a pediatrician with XXXX XXXX XXXX in XXXX Washington. We ended up moving our other XXXX children over to her care also. Unfortunately, that pediatrician ended up moving shortly after the birth of our daughter, so we were in limbo for a few weeks until new doctors joined the establishment. Rather than switch offices entirely, we were patiently waiting with high hopes that we would find a replacement that would fit our needs just as the previous doctor did. We never settled with a primary doctor but instead bounced around between a few different providers with no real preference or opportunity to have a preference. Things became increasingly confusing when we switched insurances and at one point became double covered for an extended period of time. 
I was n't sure how the double coverage would affect our co-pay and deductibles so I would frequently ask the receptionist how our bill was going to change or if it would change. No one could really provide any definite answers. After receiving a collection notice in the mail, I called and asked to speak with the billing department. This happened on many occasions with no real resolution. I would continually leave messages with no return phone call. We eventually received a letter excusing us from the practice. We gladly obliged. 
Not only had XXXX basin excused us from their practice, but they also sent us to multiple different collection agencies. I received another notice in the mail asking to respond to a court date. I responded to the notice, not realizing XXXX other collection agencies were also proceeding with court judgments at similar time frames. This became overwhelming to say the least. Because I did n't understand that multiple agencies were contacting us, I only responded to XXXX of the XXXX, allowing the others to seek and receive a judgement in their favor. 
This billing issue has ruined our credit, caused significant amounts of XXXX, and yet continues to haunt us today. 
My husbands check has been garnished multiple times for this by multiple different collection agencies ... each claiming the SAME debt is owed. 
We are at our wits end and in desperate need of help to finally be done with this horrid ordeal once and for all. I 've lost my motivation to fight this unfair and saddening injustice.

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