BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have an account that was opened in my name by an ex girlfriend that i didn't know anything about. We broke up and she continued using it and paying for it with my account but I've never seen a bill. We have since broken up and she's moved out, and she must have stopped paying the bill even though i don't know where the statement goes to. Now i am being harassed by them to pay the balance and its for nothing that I've purchased and i don't have the money to pay for it. They won't help me go thru the fraud department. Please help me to get this straightened out and removed from 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 2023-02-25
Company: EQUIFAX, INC.
State: NC
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Telerecovery Corporation
State: LA
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:
Since making the last payment that was owed to Telerecovery on XX/XX/2020. I have tried to get the derogatory remarks on my credit removed. They were contacted and were very rude about it and apparently this is common for them after a simple XXXX search. I filed a dispute through XXXX and apparently they verified to XXXX   that this is a valid debt still even though I can go on their website and see that my account is payed in full.

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 2023-11-11
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Upon reviewing my credit report in which I have been working diligently to repair so I have been keeping a very close eye on my credit profile from XXXX, XXXX, and XXXX. This is when I noticed that a debt in which I previously paid has resurfaced. The creditor 's name is XXXX, the collection agency 's name is XXXX XXXX, the amount of the debt is {$520.00}. This same debt is also reporting to the same credit bureaus with a different collection agency as well y the name of CBE GROUP from CHARTER COMMUNICATION which is also XXXX  for the same amout of {$520.00} and as stated before this debt has been paid in full atleast 4+ years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
30 days no reply and I would like to get this account off my credit profile. 
1. debt has been sold and charged off to another agency 2.Date of Last payment dont match under all 3 bureaus 3.Credit limit and high credit is not the same for all 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: BANK OF THE WEST
State: GU
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXX I have report that I have been a victim of fraud/scam. But the Bank of the West and XXXX XXXX XXXX XXXX XXXX does not want to assist me. I have filed a dispute and told my bank XXXX XXXX that it is a scam that I wired transfer to a woman there in XXXX XXXX California. And A man in 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 2023-04-10
Company: Experian Information Solutions Inc.
State: SC
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 XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX U S DEPT OF ED/XXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF ED/XXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF ED/XXXX  : # XXXX U S DEPT OF ED/XXXX  : # 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 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 2023-05-25
Company: Resurgent Capital Services L.P.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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:
I have been a victim of identity theft and my personal information was also compromised in the XXXX Data Breach. I am attaching supporting documentation on the fraudulent accounts that are appearing on 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 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXXXXXX 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 also inquiry on my credit summary 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-08-12
Company: Resurgent Capital Services L.P.
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:
I have a loan with LVNV FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX. I have always made my payments on time. As you can see, I  have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LVNV FUNDING ( Original Creditor : 12 XXXX   XXXX XXXX  XXXX XXXX  ) and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed this account, with XXXX and reported it to the CFPB this year XXXX. In retaliation XXXX has sent the account to a law firm XXXX XXXX XXXX XXXX XXXX, who is trying to collect a debit of {$4.00}, XXXX. At this point XXXX has violated all of the credit reporting laws 15 U.S. Code 1681. XXXX basically sold the fraudulent account knowing that this was not debt. 

Former report below : In XXXX XXXX XXXX XXXX credit card was removed from my credit report, because of fraud. In XXXX XXXX XXXX placed the account back on my credit report with a new account number. At current this fraudulent information is affecting my credit score. XXXX XXXX is in Violation of Federal credit laws include the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). I would like for this company to remove this information from my account 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 2023-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2020-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I have a loan with XXXX XXXX XXXX, XXXX, and PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX   XXXX XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: UT
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:
they failed to Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about to my credit report are and they and your office is responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider. this has caused me to lose out on a FHA loan and I had to pay a higher fee to live in my apt . IM a victim of fraud, and my wife we cant keep paying high rent when owing a home is cheaper. we have filed complaints after complaints with your office and the ftc and with the credit with XXXX, Equifax, XXXX, and with the creditors them self, the investigation doesnt resolve the dispute with the credit reporting company or the creditors they are blaming covid-19 in this time loss were told your office allowed this, we have sent email been on the phone for over 180 hrs trying to resolved this matter. FHA Resource Center, XXXX : XXXX complaint and the as you can see with all the complaint 's with your office we got no were, your office wouldn't call me back don't care in this matter my next step is to fw this letter to the XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed this account, with macys and reported it to the CFPB this year XXXX. In retaliation XXXX has sent the account to a law firm XXXX XXXX XXXX XXXX XXXX, who is trying to collect a debit of {$4.00}, XXXX. At this point XXXX has violated all of the credit reporting laws 15 U.S. Code 1681. XXXX basically sold the fraudulent account knowing that this was not debt. 

Former report below : In XXXX XXXX XXXX XXXX credit card was removed from my credit report, because of fraud. In XXXX XXXX XXXX placed the account back on my credit report with a new account number. At current this fraudulent information is affecting my credit score. XXXX XXXX is in Violation of Federal credit laws include the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). I would like for this company to remove this information from my account 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 2018-10-16
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XX/XX/2017 I went to the hospital due to being injured at work. Which turned out to be workman comp. My company paid for the bill and later I end up with collection letters and statements saying I owe the money. I tried on several occasions to contact the hospital and they wont speak to me saying I'm a third party.My manager has shown proof that they were paid through workman comp.

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 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have had a checking account at Capital One 360 for 12 years with no problems. 
In XXXX of this year, they blocked my access to my online checking account. 
I called Capital One 3 times and once spoke to a manager. 
They said it was because I would not give then a phone number in order for them to text me. 
My account is an online account. I would rather they send me an email. This has been sufficient method for 12 years. 
I do not want to buy a smart phone so that they can text me. I am XXXX years old and don't want to wrangle with the complexity of a smart phone. 
For them to block access to my account during the pandemic was very crude business and created hardship for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: RFNA, LP
State: LA
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 a loan with XXXX XXXX XXXX, XXXX/XXXX, and REPUBLIC FINANCE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, and REPUBLIC FINANCE with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: MS
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 XXXX Account # XXXX, XXXX 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 an 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 2023-10-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Best Buy Citi card, unwanted fee XXXX XXXX XXXX They signed me without explain, over 10 years. Tried call them cancel it but not guarantee for refund. 
They charged {$17.00} for over 10 years more than {$2100.00}. 
I did not notice until now buy called them to cancel it but still charging.

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 2022-09-15
Company: ACIMA CREDIT, LLC
State: KY
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:
US Department of Education, Amount {$100000.00}, Date action taken XXXX, 2022 XXXX XXXX XXXX XXXX, Account Number XXXX -Amount Paid {$430.00}, Date Action taken-paid and agreed as paid in full an to be removed from credit that never took place, and reported inaccurately on credit report and reflects negative on credit. XX/XX/2022 Followed up XX/XX/2022. No response and still remains inaccurate. 

Automated Collections, Account Number XXXX, Amount {$710.00} Date action taken/ disputed XX/XX/2022 ACIMA Digital FKA SIMP Account Number XXXX Amount Paid {$280.00}, Date Action taken-paid and agreed as paid in full and to be removed from credit report that never took place, and reported inaccurately on credit report and reflects negative on credit. XX/XX/2022 Followed up XX/XX/2022. No response and still remains inaccurate. 

XXXX Account XXXX XXXXDate action taken XX/XX/2022. Late payments not removed and inaccutre information reflects on credit report

Company response to consumer: Closed with explanation