BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On approximately XX/XX/2022, I contacted XXXX to purchase an engine for {$3700.00}. I was told that the engine was available and once the payment was completed, I would be emailed a tracking number within 24 hours and the engine shipped. After not receiving the tracking number I called XXXX and was informed that they didn't have the engine and it would not be available until XXXX. After being informed of this I asked for an immediate refund being that the salesperson said she verified the engine was available and ready to ship within 24 hours. I then contacted Discover and initiated a dispute for fraud because the merchant told me that they had the engine ready to be shipped and the salesperson verified it to be ready and available. I tried to initiate a dispute at this time but was told that I could not dispute this at this time and had to give the merchant 10 days to return the money to my account. After 12 days I called into dispute the transaction and them aware the credit from XXXX still was not available or returned to me, so then the dispute was filed by Discover. During this time I was not able to view or verify my other transactions. After filing the dispute I called Discover and made them aware that my bill was incorrect and there were some discrepancies ( items that were charged missing ) on my bill. I was told that the bill was correct and that amount it showed was correct ( owe {$4.00} ). After a few days, the bill changed again ( owe {$590.00} ) After the disputes and the changing of the bill, there are some charges on my bill that I do not recognize. I have tried calling some of the merchants to verify if the charges are actually mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: EQUIFAX, INC.
State: OH
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:
on my credit report still shows repossession information desipite the account has been paid off and already closed XXXX XXXX,2011. I tried to call them ask them to send detail information to my loan officer. but they said they because files is closed, they ca n't. my loan officer still needs detail information and i d like to see it remove from my credit report or at least show it closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20
Company: KEYCORP
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX now Key Bank has wasted my time over a yrs worth with promising to give a loan they knew I would never be approved for and allowing me to submit offers on properties and then on two occassions for an inspection. I wanted to put a bid in on a home and needed a pre qual and they took two weeks to get that to me claiming underwriting had a lot of requirements to meet before issuing a letter. The first depisit I put on a home I lost because on the day we were told by the bank that I would not get the loan because of my CREDIT SCORE, but not told to call the sellers or the money would be lost. The rewuirement for the loan was that the applucant had to have proof of rental payments for a year and on both occassions of dealing with this bank they knew I was not a renter. I have lost {$1500.00} wasted realtors time along with my family 's time. It almost seems as if this was sport rather tham serious business. I was trying to purchase a house butI was told I did not qualify for that loan but could get FHA and seller declined but for dome reason Keybank mailed out mortgage letter which stayed in the possessuon of the neighbors for 3 days and finally given to me Opened with all my personal information. Was never buying home but kept getting letters and kept calling bank to tell them to STOP. I can not get the wasted time bank but do feel as though the bank she refund monies paid out for no reason. If you have any question you can contact XXXX XXXX who had a lot of dealings with this bank on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I have these accounts that are not mine and i want them to be removed from my credit. 


1. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: MD
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:
The accounts listed are adversely affecting my credit report and it is costing me money.This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem to be fixed asap, I have been going back and forth since early XXXX and still waiting for a response. I will not wait 50 or 60 days to receive no response because it is clear that I am being ignored on my disputes. I demand these accounts be deleted immediately or I will have no choice but to file for litigation due to all the things that you have caused me. In Section 611 ( a ), it states that any failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 30 days so these items should be deleted promptly. Attached is a copy of my Photo ID, my social security card, proof of address, my disputes, and my FTC 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 non-monetary relief
Consumer complaint received 2019-11-24
Company: PMAB,LLC
State: NC
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:
I requested that this company provide me with an itemized list of charges that I supposedly owe. They have placed this as a collection on my credit reports. They have ignored my request and I have not received the documents I requested to verify that I owe this debt. I have attached a copy of the letter I sent,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made a purchase from Lowe 's that was financed by Synchrony Bank for {$1500.00}. In XXXX and XXXX it was advertised on television as zero ( 0 ) interest. Nothing was stated about monthly payments. It was also sated I must pay each deferred interest promotional balance in full by its expiration date to avoid paying accrued interest charges. I was also told I may at any time pay, in whole or in part, the total unpaid balance without any additional charge for prepayment. I made advance payments that superseded any monthly annual payments. I paid my promotional balance in full before the expiration date. I was charged late fees, interest and received the most disgusting, harassing and false in formation was entered on my credit report. I am not the only customer with this problem. I spoke with various company representatives that supposed to record our conversation but it did do any good. This promotion in my opinion is the greatest bank scheme that is defrauding millions or billions of dollars monthly or annual from the consumer. XX/XX/XXXX I made the transaction for {$1500.00}. With zero interest and was told XX/XX/XXXX was my expiration date I paid {$66.00} on XX/XX/XXXX. {$500.00} was paid XX/XX/XXXX. Another {$500.00} was paid XX/XX/XXXXand my final {$500.00} was paid XX/XX/XXXX. Balance due now is {$950.00} for what? I did what I was suppose to do.I paid my bill in full before the expiration date. I have a Room To Go account serviced by this bank and the same thing happened.

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 monetary relief
Consumer complaint received 2022-06-15
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: Was not notified of investigation status or results

Complaint:
. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2021-01-29
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Spoke with the Midland credit agency about the collection in regards to my account XXXX XXXX Social Security number is XXXX the actions claim by this agency or fraudulent and behavior spoke to multiple representatives who claim that the incorrect information is on the account and collection is due for a third-party vendor for a medical agency and try to resolve this information and resolve this issue via the credit bureaus also called directly to associate and attorney with the case Midland credit XXXXid refuse as well I need to contact the attorney generals office for a conditional removal immediately from the credit report and all agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: Cedars Business Services, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I believe the previous owners of Cedars Financial and XXXX XXXX are still operating under Cedar Business Services attempting to collect debts that are invalid. They were banned from operating in 2019, but I believe they are linked to and still operating under Cedar Business Services. 

https : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: AMERICAN EXPRESS COMPANY
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:
Back in XX/XX/XXXX, I got an alert on my credit report that there has been a hard inquiry placed from XXXX XXXX. I called right away to remove it and they said they placed a fraud alert on my account and it should alert XXXX and XXXX  so they can remove it. I checked back around XXXX XXXX XXXX and XX/XX/XXXX to see the status and they said the same thing, weve placed and fraud alert, it should take 30-90 days. Well, it has been over 90 days and they said wait. My credit report STILL has XXXX XXXX on both XXXX and XXXX. Both credit bureaus said In order to remove it, I need to obtain a hard copy ( letter ) from XXXX XXXX stating that it was not me, and then clothed can remove it once I send that letter off. XXXX XXXX said they cant send the letter. Now Im stuck with an inquiry I NEVER did and my credit score dropped all because of identity theft!! This also goes for American Express. Someone opened an account on XX/XX/XXXX and I did the same procedure back and forth with the credit bureaus and credit card companies. Both American Express and XXXX XXXX said they placed a fraud alert but cant help me with any evidence that I need to show XXXX and XXXX that its not me. I did numerous disputes with XXXX and XXXX but they denied it unless I obtain a letter from the credit card companies stating otherwise. I NEED HELP TO REMOVE THESE INQUIRIES ASAP!!!! Its been since XX/XX/XXXX and its XX/XX/XXXX. No change at all!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: TCF NATIONAL BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My Name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX, XXXX TX XXXX. I purchased a XXXX XXXX from " XXXX XXXX XXXX '' XXXX in XXXX TX. This transaction occurred on the 21 day of XXXX 2017. XXXX XXXX XXXX financed the sell and they obtained the necessary hard credit inquiry. In addition to XXXX XXXX inquiring into my credit, " Gateway One Lending & Finance '' a tcf bank company, also pulled my credit score. Also, on or about XXXX XXXX, 2017 " XXXX '' placed a hard inquiry which appeared on both XXXX and XXXX. Both credit bureaus decreased my credit score as a result of these inquiries. I have contacted both agencies and both agencies are not willing to delete the hard inquiry despite evidence, in the form of a letter from XXXX XXXX XXXX, indicating they were in error and requested that the inquiry be deleted. As you will see in the enclosed letter, they speak of me a being a " Valued and Loyal '' customer. In fact, XXXX 2017 I purchased a XXXX XXXX XXXX and financed it through XXXX XXXX XXXX. So there really was a need to seek financing as I had it already previously secured and XXXX XXXX XXXX routinely do business with XXXX XXXX XXXX. I will submit a letter from " Gateway One Lending & Finance which has all of the information that I speak about. The " XXXX '' in a large lending institution who inquire for mortgage lenders, automotive sellers and other entities. I do not have their address or other information. I did get their phone number from the internet. I would appreciate any and all assistance that you can provide in this matter. Thanking you in advance, XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30
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:
In XX/XX/2021 XXXX reported that i was over 30 days late. Then XXXX realized that it was unauthorized charges and credited all the charges back to my account but XXXX still reported it to my credit bureaus as me be over 30days past due.

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 2022-02-20
Company: EQUIFAX, INC.
State: NJ
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:
By 15 is code 1681, the law states it, its illegal to report my bankruptcy publicly to the credit reporting agency.Ready as follows : Accuracy and fairness of credit reporting The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 name is XXXX XXXX XXXX XXXX live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. 
I WAS GOING OVER MY CREDIT FILE AND I SAW SOME ITEMS THAT ARE DEFINITELY NOT ACCURATE!! Please delete and remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The cellphone numbers on my credit report are not mine please delete : ( 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 2017-07-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have loans serviced by Navient and have had repeated issues with repayment processing and unjust penalties being assesssd because of such. I was offered a repayment plan to schedule payments out for 15 consecutive months to bring my account current after a financial hardship. I scheduled 15 payments based off of my expected pay schedule. These payments were scheduled later in the month but my expected payments were due at the beginning of the month. My account was constantly considered past due and was repeatedly assessed a late charge because of that. Aside from the late charges, after 11 payments, my payments ceased to be debited from my account. This caused my account to be past due. When I called to discuss this j was told that my payment schedule had expired even though I had the confirmation numbers to confirm it should have been processed for several more months. I was forced to sign up for 15 more consecutive payments with an " administrative forbearance '' being granted to process the past due amounts and the principal and interest were therefore capitalized and increased my payments by nearly 15 %. After 12 months of the next repayment schedule the payments ceased being debited again and I am now dealing with the repetitive calls. Even more so, every time I have attempted to discuss alternate repayment options, such as consolidation or income based repayment, I was told I had no other options. There is no willingness to work with customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: ERC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Enhanced Recovery Company LLC. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about an item on my credit report. 
I recently retrieved a copy of my credit report, I noticed a collection account for {$340.00} from ERC and immediately sent a Certified Letter to Enhanced Recovery Company LLC on XX/XX/XXXX. Requesting that they provided proof of this alleged collection account number XXXXXXXX and the alleged agreement with MY SIGNATURE. As well as documentation detailing the XX/XX/XXXX date in which this alleged collection account became delinquent. 
After receiving no response to my First Certified Letter requesting to see any Original Contract or Service Agreement WITH MY SIGNATURE I mailed a Second Certified Letter on XX/XX/XXXX as evidenced by my receipts from the post office that I have provided. As of XX/XX/XXXX Enhanced Recovery Company STILL HAS NOT PROVIDED ANY DOCUMENTATION THAT BEARS MY SIGNATURE, nor have they provided me with the alleged delinquency date nor complete accounting of the alleged debt of {$340.00}. 
I wish to see the Original sources of the information reported, including but not limited to, the Original Contract or Service Agreement WITH MY SIGNATURE. If you can't provide me with this information, please REMOVE THE ACCOUNT IMMEDIATELY as neither your agency nor I can verify that this account information is being reported accurately. 
The First violation is that Enhanced Recovery Company inserted this unverifiable, inaccurate entry on my report and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of the Two Certified Dispute Letters I mailed them.

This is a conscious, willful and blatant FDCPA violation. Enhanced Recovery Company must IMMEDIATELY DELETE this erroneous entry from all of my credit reports. 
Enhanced Recovery Company is refusing to respond to my request, yet they continued to report this inaccurate and unverifiable entry. 
Enhanced Recovery Company delete this entry immediate and provide me with a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry as well.

Company response to consumer: Closed with explanation