BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/2021 TransUnion began applying monthly charges to my XXXX credit card in the amount of {$26.00} for items that I had not authorized. I made the discovery sometime in XXXX and I contacted TransUnion to find out what the charge ( s ) were about. I was told then that these charges would no longer be placed on my XXXX credit card. TransUnion did not identify the items or the merchant ( s ) providing a service for which I was being billed. When I reviewed my XXXX credit card bill I noted that there was no charge in XXXX and I thought that this would be the end of such billing. I also expected to receive a credit from TransUnion to my credit card. Unfortunately, not only did I not received a credit for these unauthorized purchases ; I discovered the continued billing in the amount of {$26.00} through XXXX until XXXX. When I called TransUnion, I spoke to representative XXXX who suggested that I ordered a credit monitoring and that it would be canceled in XXXX. This did not happen either. At this point I reached out to XXXX XXXX Services for their assistance. I informed them that I never authorized the purchase of any items nor did I request any " credit monitoring '' from TransUnion and I would appreciate their investigating this matter. I believe file # XXXX will support my efforts to get to the bottom of these charges. I was told that I would be credited on my card for the outstanding charges from TransUnion until these disputes were resolved. At that point, it was suggested that their was possibly a subscription that I ordered. Again, I know of authorizing no such items.. By XX/XX/2021 the disputed transactions were settled in the favor of TransUnion amounting to {$180.00} plus interests. In addition, when I received the statements from XXXX XXXX regarding these disputes my husband 's name appeared as the recipient. He, too has no knowledge of receipt of any merchandise from TransUnion. Thank you!

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 2019-01-29
Company: CITIBANK, N.A.
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:
I applied for a Citi XXXX credit card and my application was denied. I was given some nebulous reason about there being a fraud alert on my credit report. I had removed the freeze on my credit file BEFORE applying for the card, which is how citi was able to access my credit file in the first place so I have no idea what they are talking about. There are no other credit alerts on my file.

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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.

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 seven 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 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 2019-01-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent certified mail letters to PRA disputing a debt that maybe errounesly on my credit report. I have also submitted a complaint with the CFPB on XX/XX/2018 complaint number XXXX. Portfolio Recovery has responded with an invalid instrument of indebtness according to our laws. which means PRA is in violation of the FCPDA. What PRA provided does not prove that this debt belongs to me. Attached is what was included in there response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Regional Management Corporation
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I competed the Identity Theft packet from Regional Finance and sent it back to the business with a notary from chase bank attached with a police report and copy drivers license via certified mail. 
XX/XX/2023 through my recent dispute they have confirmed they have received the documents and agreed to delete the fraudulent account. I would like to be remove asap as it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: CAVALRY INVESTMENTS, LLC
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Since XXXX I've been disputing a collection that was taking out on my credit. 

Year of XXXX this dispute started using a law office to come after me for collection of funds. Every time the government issued a stimulus check, the collection efforts increased. Including in XX/XX/XXXX, attempting to sure in small claims court. 
I'm on XXXX and my income is exempt from collection. I responded to the small claims court, including sending the company the copy of the letter as I was told by the paperwork from the court. 

Now today XX/XX/XXXX, the attorneys sent shriff to serve me the same court claim for suit. I was very confused as I had already done as stated before. The shirff said he was sorry, that he felt they were using his service to intimated me. Said as long as the claims have the same docket number, then I have answered correctly and need to wait to hear from the court. 

Company XXXX XXXX, XXXX as assignee of XXXX, XXXX XXXX. Principle amount XXXX and now claiming XXXX Info says XXXX XXXX XXXX XXXX, blacks out # acts and amount. Says cut off date XX/XX/XXXX. Sale id XXXX Their using attorneys out of Massachusetts. 

This collection used to say XXXX dollars that I was disputing. Then ever year it went up more. They've increased their tactics in trying to force me to collect this debt, because it's been almost 7 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: VA
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 called Equifax and spoke with several employees including someone in their Consumer Affairs Department. I called them because I applied for a apartment and received back information saying there was a fraud alert on my account. I wanted to know what it was. The agent said they needed to verify who I was but after providing them with my Name, Social security number, date of birth, current cell number, current address and the total amount of my students loans and who they are with this was still not enough verification data. I feel that considering I didnt give them permission to have any of my personally identifying information they should be verifying my data with me. 
They actually requested more documents for me to verify who I am. The process is time consuming, unnecessary and totally ridiculous. I must send them more information than any government agency I have ever dealt with and they seem to have more power than any government agency. I have a real id from my state and considering what I had to provide to get it the information from it should be enough for me to find out what they are reporting to others about me. There needs to be government oversight of this industry they are ruining lives with their dissemination of misinformation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
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 have sent multiple letters to Experian about the inaccurate items that are reporting on my credit report. The first letter I sent did not receive a response. The second letter I sent received a response saying that they believe that I have a credit repair company on my behalf which is insane and disrespectful. I work to hard to be disregarded as if I am not a tax paying citizen. I can't even get a car for a good interest rates. Most of the time I am denied when applying for things. This hurts. All I want to do is be able to provide for my family and I haven't been able to do this because of the inaccurate items being reported on my credit report which makes me very upset. According to the FCRA any item that is being reported on your credit report that is deemed of being inaccurate or unverifiable should deleted ASAP. I demand Experian send me the original application bearing my signature within 30 days or I will continue with my FTC complaint! Anything less then this will not be accepted! There is also evidence proving that I am a victim of the XXXX Data Breach!

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 2020-12-12
Company: EQUIFAX, INC.
State: TN
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 have disputed these accounts 3 times they have yet to remove these accounts that are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I checked my credit score and credit report and discovered that my credit score had dropped XXXX points due to a new collection account reported on my credit. I have no idea what the account is and was never contacted or provided any information regarding the alleged debt. I never received a debt validation notice or any other documentation of the debt. I was also never provided any information regarding who the original creditor was. 

According to my credit report, the creditor of this alleged debt is : Portfolio Recovery Associates XXXX XXXX  XXXX, XXXX XXXX XXXX, VA XXXX XXXX I have never received any communication or documentation from Portfolio Recovery Associates regarding details of the debt or my rights as a consumer to dispute the debt. The details provided on my credit report about the debt are insufficient as well. The only details provided on my report are : High Credit : {$460.00} Terms Frequency : Unknown Balance : {$460.00} Amount Past Due : $ XXXX Months Reviewed : 0 Owner : Individual Account Type : Other Term Duration : 0 Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Delinquency First Reported : XX/XX/XXXX Creditor Classification : Banking Loan Type : Debt Buyer Account Date of First Delinquency : XX/XX/XXXX Portfolio Recovery Associates has violated my consumer rights under FDCPA. This alleged debt/account should be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: DE
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:
Greetings to Whom It may concern I am submitting this CFPB Complaint for the 2nd complaint # reference XXXX to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the Equifax, Credit Bureau will remove and block these specified remaining inquiries as a result of the alleged identity theft : Equifax : XXXX, XXXX XXXX XXXX, XXXX XXXX, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus such as XXXX, raising concerns about their reported history in accordance with FCRA Section 605B. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good afternoon, My complaint is against Receivables Performance. I have a debt with XXXX which was {$1900.00}. I have the debt due to switching providers. However, the new provider was suppose to pay the phones off. Because of the time of waiting for phones to be paid by the new provider, I am assuming that XXXX sent this collection to Receivables Performance. I did have contact with RP, and I spoke with them about waiting for the new provider to pay off the debt or the phones owed. Because the process was delayed, I agreed to set up payment arrangements in XX/XX/XXXX and XX/XX/2018 for {$200.00}. The first payment was successful, and the XX/XX/XXXXpayment was changed to XX/XX/XXXX, which was also successful. However, during that time of the last payment arrangement, Receivables Performance sent a derogatory remark to XXXX, which took my credit down. I called RP, and asked them why since I did send two payments. In the midst of the conversation, the Supervisor XXXX explained that I was late and changed payments. I told him that I only changed one payment and that was for XX/XX/XXXX. However, I found out that Receivables Performance is not licensed in the state of North Carolina to ask for me to pay them this debt. I spoke with them about this, and each time they will hang up. The last conversation I had with a supervisor, she lied on the phone about me calling and having a conversation with them on XX/XX/XXXX and eventually she hung up as well. Because this collection agency is not licensed to collect a debt for the state of North Carolina, I believe that they should delete and remove this derogatory remark off my 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 explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: NY
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:
Equifax is in the regular business of assuming the role of a credit reporting agency and in the regular business of collecting the personal information of consumers. Equifax is bound by the Fair Credit Reporting Act, the Privacy Act of 1974 and state laws requiring the safekeeping of the personal information of consumers. However, in MayXX/XX/XXXX, Equifax became aware of a data breach where over 148 million consumers ' information was stolen by unknown perpetrators, of which I was affected. Equifax did not adequately inform me that my information was stolen. It wasn't until XXXX that I learned of an extended claims period. Between XXXX to present, Equifax has failed to report accurate information on my credit report. I have been denied credit no less than 10 times due to Equifax misreporting my personal credit information. I have had fraudulent accounts reporting on my credit report. I have also suffered the same through Equifax affiliate credit agencies by being denied apartment leases, employment, higher car loan rates, and denied other open ended consumer credit accounts. I still have inaccurate information reporting on my credit report that Equifax refuses to delete despite numerous complaints made by me to the CFPB. Equifax consistently and negligently continues to violate my federally protected rights and state rights as a California resident. Equifax should not be allowed to do business in the US. I have spent and lost hundreds of thousands of dollars trying to repair my credit, protect my personal information and credit, and prevent my information from being stolen in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
My payments are being applied to the balance transfer that has a 0 % interest before putting it to my standard purchases which has a 29.24 % interest. This is causing me to be charged interest. The credit card act states that payments must be applied first to the card balance bearing the highest interest rate. Ive had several credit cards and this has never happened before. I wonder how many customers they are doing this to. This is navyist rewards credit card.

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 2021-12-02
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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. Due to Equifax being a Consumer Reporting Agency and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

15 USC 1681c-2 states that a Consumer Reporting Agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, no later than 4 business days after the receipt of the following : 1. Appropriate proof of identity of the consumer ; 2. A copy of an Identity theft report ; 3. The identification of such information by the consumer ; and 4. A Statement by the consumer that the information is not information relating to any transaction by the consumer.

Equifax received everything required under the FCRA needed to place a block on the information that resulted from identity theft as proof through CFPB Complaint number XXXX submitted on XX/XX/2021. It is now XX/XX/2021 and Equifax has yet to place a block on all information resulting from identity theft. 15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit in a manner that is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information. If Equifax allows its business partnerships with these organizations to continue to violate my FEDERALLY PROTECTED consumer rights, they will be liable to me for the stress, anxiety, sleeplessness, and any other actual damages caused as a result of the failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have tried unsuccessfully for 2 1/2 months to have Wells Fargo investigate my fraudulent charges and disputes. They refuse to put things in writing. I am an American with XXXX. They keep dodging me. They refused to return phone calls they keep asking for additional documentation there stalling Ive asked again to finalize this claim I have XXXX I am XXXX and I want this resolved before I XXXX so its not left for my children.

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 2023-08-06
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/2023 I filed a dispute with the credit bureau about a bankruptcy listed on my credit report. The credit company explained that the bankruptcy listed was provided by the circuit Court. I wrote to the circuit Court clerk and they sent a letter stating that they did not give my information to a credit reporting agency. I sent a letter to the credit and provided them with a copy demanding they remove the it. They violated my rights under the permissible purpose law and also violated my rights as a natural person. I would like for this item to be removed from my credit report.

Company response to consumer: Closed with explanation