BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-17
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a demand letter from Cooling & Winter XXXX XXXX XXXX  XXXX on XX/XX/2022. Cooling & Winter XXXX XXXX XXXX XXXX are debt collectors demanding to collect a debt on behalf of XXXX XXXX XXXX ( XXXX ) XXXX. I have not received any goods or services from Cooling & Winter XXXX XXXX XXXX XXXX and I do not know how they received my private personal information. Cooling & Winter XXXX XXXX XXXX XXXXXXXX do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I have not agreed to pay/tender anything to Cooling & Winter XXXX XXXX XXXX XXXX 
I am not a party to any agreements that Cooling & Winter XXXX XXXX XXXX XXXX may or may not have with XXXX XXXX XXXX ( XXXX ) XXXX or XXXX XXXX XXXX XXXXXXXX XXXX. I have not agreed to pay/tender anything to Cooling & Winter XXXX XXXX XXXX XXXX, CXXXX XXXX XXXX XXXX XXXX ) XXXX or XXXX XXXX XXXX XXXX XXXX XXXX 
Cooling & Winter XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) XXXX reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither Cooling & Winter XXXX XXXX XXXX XXXX  or XXXX XXXX XXXX ( XXXX ) XXXX  are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
There are several inquiries on my report that are there after finally reviewing my report. In the past i have shopped at classic XXXX and at XXXX XXXX both stated that they would only run my info through their dealer and there are way more inquiries on my report. 
XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX via XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: EQUIFAX, INC.
State: MI
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:
delete the following inaccurate, contradictory information in my file. am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 


The items Listed are against your guidelines and break multiple laws under the Fcra like section ( A ) 609 I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: ERC
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 balance was previously with XXXX XXXX XXXX and was unable to be verified in XXXX or this year. I have no knowledge of this and would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I conference called my creditor XXXX XXXX  with XXXX from XXXX fraud resolution about my credit cards being closed due to my new address. We were told equifax had sent letters notifying to them that my current address is fraudulent and to close my account. It is not fraudulent, I moved from NY to GA last year. Last month I verified my new address over the phone to equifax using my GA state ID and a utility bill, but when I called equifax XX/XX/XXXX and spoke to a XXXX, I had to verify my identity and update my address again. Listen, people move everyday, I didnt know I was required to notify the bureaus that I was moving. All I did was update my address with my creditors. Due to this hassle I have lost 4 credit cards ; XXXX, XXXX, XXXX  XXXX secured, and XXXX XXXX secured. Now I see I have a fraud alert and freeze for PROMOTION PURPOSES!!! What does that mean?!!! When I asked XXXX he was acting like he didnt know what I was talking about and then I asked to speak to a supervisor, HE HUNG UP ON ME! I removed the fraud alerts early this year XXXX. I am trying to start a business and buy a house. Someone better fix this immediately or I will be pursing legal action. This isnt right at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a XXXX card with Barclay 's Bank. The customer hotline is XXXX. They have a promotion in which if {$1000.00} is spent within the first ninety ( 90 ) days of " opening '' an account, the customer is awarded XXXX " XXXX XXXX. '' My card was " issued '' in or about XXXX. I did not use the card for sometime, and first " activated '' the card by using the directions on the sticker of the front of the card in XXXX, XXXX. The sticker instructs the consumer to go to XXXX to activate the card. I interpreted the activation of the card as fulfilling the requirements of " opening '' the card, within the meaning of the terms and conditions of the XXXX points program. Having spent in excess of {$1000.00} in the first 90 days of opening the card, but not receiving the XXXX points, I called the hotline number referenced above. 

Barclay 's Bank has taken the position that the " opening '' of the card is the point at which the card is issued in response to the application. They have rejected the idea that the card is not " opened '' until it is " activated. '' I have reviewed the terms and conditions of the XXXX points program, and can confirm that nowhere in the terms and conditions of the program is the term " account opening '' defined. Despite making the point to Barclays representatives that the term " opening '' as applied to my situation is ambiguous and misleading, Barclays has refused to credit my account with the XXXX points that I have earned.

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 2017-03-03
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX, XXXX XX/XX/XXXX ( XXXX ) XXXX Collection Information Bureau , Inc . 
68 years in business XXXX. 
XXXX, FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DOCTORS BUSINESS BUREAU acc # XXXX, XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: NJ
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:
1.0N XXXX I REQUESTED THE METHOD USED BY XXXX XXXX , XXXX  , AND EQUIFAX ON HOW THEY VERIFIED MY BANKRUPTCY SUCH AS NAME OF COURT, PERSON WHO VERIFIED IT, ADDRESS, TELEPHONE AND DOCS USED TO VERIFY THE BANKRUPTCY. LETTER ATTACHED 2.ON XXXX AND XXXX I RECEIVED LETTERS BACKS FROM EQUIFAX AND XXXX, XXXX XXXX NEVER RESPONDED. EQUIFAX AND XXXX  THAT THEY USED A 3RD PARTY VENDOR NAMED XXXX XXXX  A VIOLATIONS OF THE FAIR REPORTING CREDIT ACT. LETTER ATTACHED 3.ON XXXX I WROTE TO THE US BANKRUPTCY COURT OF NEW JERSEY ASKING THEM DO THEY RELEASE INFORMATION TO 3RD PARTIES. THEY DO NOT REPORT INFORMATION DIRECTLY TO ANY CREDIT BUREAUS OR 3RD PARTIES. LETTER ATTACHED 4.ON XXXX I SENT LETTERS TO XXXX XXXX , XXXX   AND EQUIFAX EXPLAINING HOW THEY BLATANTLY VIOLATED THE FAIR CREDIT REPORTING ACT BY USING A 3RD PARTY TO VALIDATE INFORMATION THAT GOES ON MY CREDIT FILE. 
LETTER ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Bread Financial Holdings, Inc.
State: CT
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: Problem with personal statement of dispute

Complaint:
Complaint XXXX XXXX  and XXXX, XXXX, XXXX XXXX   is refusing to report on the three credit bureaus that I was not late this has been investigated and they are trying to say this is company policy I did not have a bill did not show them a bill I paid my bill XX/XX/2019 and the day I paid it there representative told me I would not be charged a late fee. Well I was charged a late fee even though my bill was paid in full and for six months straight they continue to charge me a late fee each month without even having a balance I have no balance with them it was paid in full in XXXX but every month from XX/XX/2019 they were charging me a late fee and reporting me late each month to the credit bureau I spoke with XXXX and they did credit me all the late fees but I need them to stop reporting me all these months late on my credit report my credit score has gone down because of this and they also took my {$8000.00} credit limit and dropped it down to {$100.00} credit limit because of their representative not doing her job and waiving the late fee like she said she was

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: DISCOVER BANK
State: NC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
In XXXX 2016 I was considering a new cash back credit card and called Discover to inquire about a new card with cash back features. I was told that an old account existed with discover and it could be converted to the new IT card with a {$100.00} bonus and cash back. 
I accepted the offer and a card was issued. When the bonus requirements were met I waited for awhile and the bonus never showed up on my account. Today I called Discover and spoke to XXXX and then supervisor XXXX XXXX. XXXX stated that no notation was made on the account when it was converted for the bonus, then XXXX stated that no offers existed during the time frame of the account being opened. I asked for a written response to my inquiry, XXXX XXXX stated the Legal would not like that and she was unable to provide anything in writing. I requested the address for the Legal Department, she declined to provide that address. 

As a bonus was offered to me when the card when I accepted a new card to be issued by Discover and the bonus requirements were met I should get the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06
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:
I HAVE BEEN CONTACTING XXXX XXXX  FOR YEARS NOW AND TO THIS DAY SENT LETTERS NO RESPONSE, THE COMPANY HAS A CREDIT ACCOUNT OPENED IN MY NAME IN XXXX AND CLOSED IN XXXX AND THIS ACCOUNT IS NOT MINE, I HAVE TRIED TO CONTACT THEM AND THEY DONT HELP, HAVE WENT TO CREDIT REPORTING THEY VERIFY THE ACCOUNT IS MINE, I HAVE SENT SEVERAL WRITTEN LETTERS NO RESPONSE

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 2022-03-17
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: Was not notified of investigation status or results

Complaint:
I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )

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 2020-03-10
Company: Experian Information Solutions Inc.
State: NJ
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:
1.0N XXXX I REQUESTED THE METHOD USED BY XXXX XXXX , EXPERIAN , AND XXXX  ON HOW THEY VERIFIED MY BANKRUPTCY SUCH AS NAME OF COURT, PERSON WHO VERIFIED IT, ADDRESS, TELEPHONE AND DOCS USED TO VERIFY THE BANKRUPTCY. LETTER ATTACHED 2.ON XXXX AND XXXX I RECEIVED LETTERS BACKS FROM XXXX  AND EXPERIAN, XXXX XXXX NEVER RESPONDED. XXXX  AND EXPERIAN THAT THEY USED A 3RD PARTY VENDOR NAMED XXXX XXXX A VIOLATIONS OF THE FAIR REPORTING CREDIT ACT. LETTER ATTACHED 3.ON XXXX I WROTE TO THE US BANKRUPTCY COURT OF NEW JERSEY ASKING THEM DO THEY RELEASE INFORMATION TO 3RD PARTIES. THEY DO NOT REPORT INFORMATION DIRECTLY TO ANY CREDIT BUREAUS OR 3RD PARTIES. LETTER ATTACHED 4.ON XXXX I SENT LETTERS TO XXXX XXXX , EXPERIAN AND XXXX  EXPLAINING HOW THEY BLATANTLY VIOLATED THE FAIR CREDIT REPORTING ACT BY USING A 3RD PARTY TO VALIDATE INFORMATION THAT GOES ON MY CREDIT FILE. 
LETTER ATTACHED

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 2015-09-10
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
discover card has been reporting me to the credit reporting agencies while i have been paying them as i agreed since XXXX of XXXX this company also reported to the credit reporting agencies as charge off while i am paying them and also the balance they reported not reflect what the balance i won.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: Nelnet, Inc.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Became XXXX and could n't repay. Due to a rule that a XXXX  person must have review date longer than 5 years on their case. Mine is 3 years. I 'm XXXX XXXX and receive XXXX payments from the federal government. If a person on XXXX XXXX and they have a XXXX XXXX or XXXX it should n't matter the review length.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Experian Information Solutions Inc.
State: MD
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:
while attending XXXX college in dc the school was closed on XX/XX/XXXX I attend this school from XXXX-XXXX. I was lied to about job placement. Deceived as far as the financial aid department reporting my correct balance. There XXXX accreditation which was lost when school closed. This school is currently under lawsuit because of inappropriate acts. Additional loans where taken out of my name without my knowledge.

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 2022-07-13
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2016-03-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
had requested experian to investigate a credit inquiry for XXXX card dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX card. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.

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 2015-12-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are about XXXX main issues on my credit report that are n't mine, and they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX services, and XXXX XXXX. I believe they belong to my older sister, because we almost have the same name and it may be confusing but I want these issues resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: Upgrade, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX  card from Upgrade and every month I pay my payment well before the due date and every month I have to call them and make them apply the payment that I made to my account. They send me e-mail after e-mail telling me that my payment is due and/or late when I have bank records showing that I paid it on time. This month, same thing again and they're telling me that it's their company policy to wait 10 days after receiving my payment to actually apply my payment. No other creditor I have accounts with waits to apply my payments. Everything else gets credited immediately upon receipt of my payment. This is frustrating and ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: VA
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 reviewed a copy of my credit report and I noticed a fraudulent/unauthorized chargeoff closed account that needs to be removed from my credit report. The account to be removed will be listed below and I will also like to add that I was a victim of the 2017 equifax data breach. 

XXXX. XXXX XXXX XXXX  Act. # XXXX

Company response to consumer: Closed with explanation