BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: Netspend Corporation
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened up a checking account in my name using an old address of mine I received a debit card in the mail at that old address Company : XXXX XXXX  - NetSpend It looks like the account was opened within the last two weeks

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 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 is my second letter requesting your company to correct your own mistakes. I have received no response yet you continue to report to the credit bureaus that there is a balance owed on the above referenced account. I sent your company the payment receipt showing the balance I paid at the time and the ending balance asXX/XX/XXXX The receipt does not even reflect the balance that you are reporting. I am once again providing that for your records. 
It is a violation of the Fair Debt Collection Practices Act to continue to report information on an account in dispute. I am requesting that you report this account with a dispute status or delete the account completely with all three credit bureaus. 
I expect a response within 10 days of receipt of this letter or I will be forced to file a complaint with the Federal Trade Commission. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed 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 explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: LA
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:
ftc violations all XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 

Hippa violations : Last Reported XXXX  XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX XXXX  XXXX  Status Open Opened Date XX/XX/XXXX Closed Date Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX   XXXX XXXX Status Open Opened Date rted XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$190.00} XXXX XXXX  civil violations Account Details Last Reported XX/XX/XXXX Collection Agency XXXX, XXXX Original Creditor XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$470.00} High Balance {$470.00} Remarks --

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 2020-04-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX  {$8700.00} Opened XX/XX/2015 XXXX XXXX XXXX  {$4800.00} Opened XX/XX/2014 I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus. 
The Notice also states that if a

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 2022-09-27
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I, the consumer and natural person XXXX XXXX, was denied credit by American Express when I applied for an American Express Green Card. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S. Code 1691c and is pursuant to civil liability under 15 U.S. Code 1692k.12 CFR Part 1002 - Equal Credit Opportunity Act 12 CFR Part 1002.7 - Rules Concerning Extensions of Credit You are subject to criminal liability for violation 15 U.S. Code 1691 as I have proof that I was discriminated against by American Express due to the response I received in the mail. Application Ref. # XXXX American Express is in violation of 15 U.S. Code 1642, 15 U.S. Code 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express. 

If American Express fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make American Express criminally and civilly liable for actual damages pursuant to 15 U.S. Code 1681n and 15 U.S. code 1602o.

I've mailed an Adverse action letter to American Express on XX/XX/XXXX via certified mail and it was received on XX/XX/XXXX. I have yet to hear back from American Express in response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: BYL Collection Services
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
BYLCollections send us Letter in Mailbox in the name of my Father mentioned on Letter & at our address that they want to collect a debt of {$1900.00} on behalf of XXXX XXXX, XXXX company. But the Fact is that  my father didn't own any Credit Card of this company neither have any other company credit card. 
We want to report about this scam by BYLCollections Company to  send us a fake Letter & try to collect the wrong amount from us through these tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: FL
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:
ACCOUNT # XXXX XXXX illegally sold a fake account to XXXX XXXX XXXX in violation of Title 15 USC 1681m ( f ) ( 1 ) of the FCRA . 

It is prohibited to sell an account that was reported as fraudulent. I reported the fake account that was created by XXXX XXXX  to XXXX when I discovered the criminality. XXXX, went ahead and sold the account to the criminal collection agency in violation of Federal Law. See attached Fraud Alerts on my CRA 's and documentation with the IRS. 

Special Agent XXXX XXXX with the IRS-CID and Special Agent XXXX XXXX, specifically communicated to me that the XXXX XXXX has been stealing ID 's. In fact, there is another person in California and Florida using my credentials. The XXXX  would also use a person 's mailbox itself and snagg the incoming mail before persons would return from work. This is how sophisticated these XXXX XXXX   are.

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 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Please be advise that this account was recently deleted from my Transunion Credit report due to identity fraud. The account ( XXXX XXXX XXXX # XXXX ) was previously owned or placed in collection on behalf of XXXX XXXX  whom apparently has sold this fraudulent debt after being notified from myself and Transunion to XXXX XXXX XXXX. Now this same account with a balance of {$150.00} is reporting on my Transunion credit file with XXXX XXXX XXXX as the collector. There are several violations due to this activity. TRANSUNION is at fault for re-reporting fraudulent blocked information. XXXX XXXX XXXX is in violation for re-selling a debt that was from the direct result of identity theft. XXXX XXXX XXXX XXXX  failed to send any initial 5 day notice of them taking ownership of the debt before placing on my credit file. This debt must be removed or I will consult with a consumer attorney ASAP!

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 2020-04-17
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:
ftc violatons attached please remove them all and the laws that pertain to the violations

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 2022-09-27
Company: EQUIFAX, 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 status incorrect

Complaint:
I am filing this report against XXXX XXXX XXXX XXXX because they are filing with the credit report inaccurate information. This financial institution has been reporting a delinquency to the credit report despite me giving them my payments on time without any delays. I'm a very punctual person that makes their payments on time always and despite this fact they are claiming that they have conducted an " investigation '' and they are concluding that the delinquency is valid. In addition, they hung up the phone on me multiple times and claimed they will not remove the delinquency to protect their brand. Their brand is not of my concern because they made the error and they need to fix it. If my payment was processed by them on time I'm not supposed to be held responsible for their shortcomings. Therefore, this issue needs to be resolved and the payment that I made on time must be reported correctly. Just because they are XXXX XXXX and they have a high reputation in the automotive industry does not give them the exception to treat consumers like garbage. I make all my payments on time and they can not bring their reputation to avoid responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Before using Capitol one credit card, I was using a credit card from XXXX XXXX. During this period, I have been in good standing with XXXX  XXXX  with no late payments. As a result of the transition from XXXX XXXX to Capital One XXXX, my auto-payment information did not transfer over, and as a result, I had a payment past due. The impact of this is a drastic fall of my excellent XXXX  Credit Score from XXXX Points to XXXX Points ( -106 ), and XXXX  Credit Score from XXXX Points to XXXX Points ( -105 Points ) Till now, I have been a great standing customer with Capital One and other credit card companies, and I am happy to provide other credit card history with positive standing reports upon request if needed. 
I have called capital one several times to resolve this with no headway, which resulted in me filing a dispute, requesting that delinquent period reflecting on my account be removed because I am a victim of the XXXX XXXX to Capitol one bank switch that has disrupted my normal payment process. 
My last call on XX/XX/17 with an agent ( XXXX ), I was advised that they can not change anything, and they will send me a notification to that effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: NV
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 just checked my Experian Status and noticed there was a new name associated with my account that may have been linked to previous house we owned in XXXX, NV. 
I am not this person and would ike to have them removed from my Credit Report / History. 

Please advise how I can correct this with the Credit Reporting Companies.

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 2022-12-10
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Bloomingdales credit card was open fraudulently in my name. When I was made aware of the card I paid the entire principal plus interest on the card and asked several times that this account be taken off my credit reports ; I sent several statements to Bloomingdales agreeing to pay the balance on the card for that fraudulent account to be removed from my credit report. They instead tacked on interest during the pandemic when it was national health emergency. There were no adjustments or deferments made by Bloomingdales during this national emergency even though consumers were forced to leave their jobs. I reached at to Bloomingdales SEVERAL times asking them to remove this fraudulent account from my credit report and they totally disregarded the fact that the account was fraudulently opened in 2019. They claimed this account was a charge off even though I have not received any information about this account being in collections. That Bloomingdales credit card was not open by me and should be removed from my credit report.

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 2023-03-10
Company: Experian Information Solutions Inc.
State: OR
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-01-17
Company: Financial Recovery Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company continues to call for a debt I have no knowledge of, nor is valid. I advised several very aggressive phone collectors to send me a letter stating specifically what is owed and who the original creditor is and validation of this alleged debt. They state they don't send letters and several just hung up. They also asked me to confirm my information, and try to verify the last four digits of my social security number and date of birth. Any attempt to collect a debt without validating it violates the FDCPA. 

This company has repeatedly sent mail communications indicating that they are acting on a date for another creditor threatening that it may be placed with a law firm. 

Further, this company does not have permission to contact me, they don't have my permission to have any information I have asked them repeatedly to cease all communication and to only contact me by mail. I ask there address and they wont give that information, I asked to speak to a supervisor and they hang up. They even hang up as soon as I try to ask a question. 

Regardless of whether or not you properly validate this debt, all communications concerning this alleged debt shall forever cease and should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: DISCOVER BANK
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Discover loan company has been manipulated to report to XXXX XXXX Credit  report company. 
Every year Discover loan company reports wrong information to XXXX XXXX. 
Last year, delinquent date was XXXX, XXXX and I was told it will be removed in XXXX. 
I have called XXXX XXXX and they say that Discover loan company has reported *delinquent date wad XX/XX/XXXX so it will be removed in XXXX. 

Every year Discover loan company reports 1 year behind so it will be stayed in my credit report forever. 

" There are statutes of limitations for private student loans.Each state sets its own limits on how long a collector has to sue a debtor. Those limits range from three to 10 years. 
Pennsylvania is 4 years. 

I would like to report their manipulation and lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # account number XXXX has violated my rights. 

XXXXXXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXXXXXX XXXX account XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX XXXX, account # XXXX has violated my rights. 
XXXX account # XXXX. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation