BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-30
Company: CITIBANK, N.A.
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:
So in XXXX a credit card from Sear 's was opened in my name. In XXXX I was XXXX years old, also when I contacted sear 's in regards to it, they had my incorrect birthday on file in which they would not let me verify the account because of that. Secondly, I was never notified of this debt in the amount of {$1300.00} at all, there was a levy placed on my entire checking account on XX/XX/XXXX in which they took all of my money out of it. This account was fraudulently opened in my name and I am unsure how to go about rectifying this matter. I have XXXX small children and bills to pay and they have taken all of my money for this fraud act against me, it is unfair. The debt is over 11 years old, why are they coming now?

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 2022-03-10
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 distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2023-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have almost four years of Capital One membership, and during that time I have never missed a payment and have always paid the whole amount due. Capital One recently terminated my account without giving me any prior warning, and when they did, they reported the existing balance I had at the time to the credit bureaus. I have a credit score in the XXXX, and this caused it to plummet by about XXXX points. I called Capital One and requested that they make an update to my credit records to reflect that I currently have no debt. I explained that my unexpected decline in score may result in me losing my mortgage. They declined. I had only recently qualified for a mortgage. Section 623 of The Fair Credit Reporting Act, 15 U.S.Code 1681s2. Requires data furnishers to report accurate information and update inaccurate information if notified. It is the responsiblity of the data furnisher to update accounts after being notified of a inaccuracy and report financial information appropriately. You have been informed that the account is reporting inaccurate information and that you are breaking the law if you continue to do so. I am a litigious consumer. My ability to obtain loans, mortgages, housing opportunities, and employment offers that are firm may be affected by your reporting. If you don't change this to reflect my actual creditworthiness, i will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The credit bureaus have been sent multiple requests for a proper investigation of this account listing. Each time, the credit bureaus took more than thirty days to complete the investigation... only to continue reporting erroneous information. The last letter was sent XX/XX/2022. A proper investigation has not been conducted due to multiple errors. The opened date is inaccurate, the credit amount is inaccurate, the date last reported is inaccurate, the date of last activity is inaccurate, as well as, the date of last payment. 

Inaccuracy # 1 - " Date Opened '' Inaccuracy # 2 - " High Credit '' Amount Inaccuracy # 3 - " Last Reported '' Inaccuracy # 4 - " Date Last Active '' Inaccuracy # 5 - " Date of Last Payment '' Inaccuracy # 6 - " Two-Year Payment History '' reflected conflicting information. 

Along with the fact that this account has been reporting a charge-off account for many years. Seeking further action is illegal, as XXXX XXXX XXXX has written this debt off. 26 CFR Subsection1.166-3 ( a ) ( 3 ) ( i ) Deemed charge-off. If a significant modification of a debt instrument ( within the meaning of 1.1001-3 ) during a taxable year results in the recognition of gain by a taxpayer under 1.1001-1 ( a ), and if the requirements of paragraph ( a ) ( 3 ) ( ii ) of this section are met, there is a deemed charge-off of the debt during that taxable year in the amount specified in paragraph ( a ) ( 3 ) ( iii ).

( a ) ( 3 ) ( iii ) of this section. The amount of the deemed charge-off, if any, is the amount by which the tax basis of the debt exceeds the greater of the fair market value of the debt or the amount of the debt recorded on the taxpayer 's books and records reduced as appropriate for a specific allowance for loan losses. The amount of the deemed charge-off, however, may not exceed the amount of recognized gain described in paragraph ( a ) ( 3 ) ( i ) of this section. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 section 602 A - states I have the right to privacy.

15 USC 1681 section 604 A section 2 - states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I put in my original complaint XX/XX/23 and after 30 days i put in my second complaint because it had been over 30 days it had been 32 days to be exact on XX/XX/23 and two days later XX/XX/23 the company relied to my original complaint. On XX/XX/23 that made 34 days. Once i replied and point out that 30 days was up and everything must be deleted they said they need more time and they will respond back within 60 days. THAT IS AGAINST THE LAW! 
15 U.S. Code 1681i - Procedure in case of disputed accuracy Cleary states conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
They respond at 34 days putting them past the 30 day window and they did not record the current status of the disputed information. Both are against the law and violations! 
According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. Only additional times is added to a dispute if a person adds new in formation to the original dispute and in that case the company gets a extra 15 days which makes 45 days not 60 days! In this case i did not add new information! I put in a second claim once the 30 days was up letting them know 30 days was up and what had to happen next according to the law! ACCORING TO THE LAW YOU ONLY GET 30 DAYS! 

Complaint # 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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been victim of identity theft, I have disputed with Transunion multiple times to remove accounts that were not opened by me. The following accounts still show in my report and are not removed 1 ) XXXX XXXX  Card Services 2 ) XXXX Department Store. I do not understand what more information I need to provide for them to close the accounts mentioned above.

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 2023-05-27
Company: Bread Financial Holdings, Inc.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am disputing the write-off reported on my credit report by your agency. I have not received a 1099-C form from the creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report. 

As a responsible borrower, I have always made an effort to pay my debts on time and in full. Therefore, it is particularly distressing to have a write-off reported on my credit report, especially when I have not received any notification or documentation indicating that the debt has been cancelled or forgiven. 

I request that you investigate this. I have not received a 1099-C form from the creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: BARCLAYS BANK DELAWARE
State: LA
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:
I filed a dispute claim on XX/XX/2022, regarding the merchant XXXX XXXX XXXX XXXX. The management made an unauthorized charge on my Barclays Visa Card without my knowledge or consent for guests that I did not authorize. I called and emailed the manager regarding the charges but he did not provide a resolution. The total amount of the unauthorized charges is approximately {$1100.00}. 

I filed a complaint with Barclays Credit Card on XX/XX/2022. I received a letter on XX/XX/2022, which stated, " Unfortunately, we're unable to pursue credit on your behalf for this particular transaction ( s ) for the following reason : We were not provided with proof of paid by other means. I do not understand ( paid by other means ). 

I provided Barclays with emails regarding how I was paying for the rooms for my XXXX XXXX and XXXX Celebration. I did everything within my control to reach out to the hotel several times regarding what I authorized on my Barclays Credit card. A Barclays representative told me I should have not given them my card number. If you asking for service from an establishment it is required to give your credit card to hold the rooms. 

Seven of my guests ' rooms were charged to my credit card. I had approximately 43 guests from several states who paid for their rooms with their credit cards. I book 10 rooms for my guests. Five of the rooms were booked for my brothers and, I authorized my card to be charged.

I want Barclays to remove the {$1100.00} from my account. XXXX XXXX XXXX XXXX is charging me for their incompetence.

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 2023-05-27
Company: Resurgent Capital Services L.P.
State: NC
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:
LVNV collections are refusing to remove accounts from my credit report. I'm currently on the phone in regards to this matter with the agent/supervisor. This is damaging my reputation which is a violation pursuant to the FCRA. I've applied for credit and was denied due to this, I also have a right to privacy and theyre willingly and knowingly reporting inaccurate information on my credit file. I also never gave this company my written permission to furnish on my credit file. They have stated that theyre not required to provide a consumer with a validation of debt, and that a verification of debt is all theyre required to do. I'm disputing this account on those grounds. I do not validate this debt at all, so how can they validate?. They can not, so i'm requesting for these alleged accounts to be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX. XXXX XXXX XXXX, XXXX, {$1500.00} XXXX. XXXX XXXX XXXXXXXX, XXXX, {$1200.00}. 
XXXX. XXXX XXXX XXXX  XXXX, {$340.00} XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX, {$9000.00} XXXX XXXX XXXX XXXX XXXXXXXX, {$740.00} XXXX XXXX XXXX XXXX XXXXXXXX, {$570.00} According to 15 USC 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want XXXX XXXX per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

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 2018-10-30
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX took my inactive account and turned it over to XXXX XXXX XXXX. Way point contacted me several times about this debt and they continued to call often. I told them that I would handle this debt as soon as possible. I called Way point and made arrangements to pay this debt and asked if I could get a receipt that this debt was a one time payment and the amount that they settled on was {$800.00}. I did receive a receipt from them that it was paid, this was XX/XX/2018 abt XXXX. I then contacted XXXX XXXX and stated that I had paid the debt and wanted see if I could get a letter or email from them that stated the bill was taken care of that they had turn this matter over to Waypoint. The supervisor on XX/XX/2018, Mrs XXXX stated that that not something they could do and that I would have to wait 90 before they could give me anything, I stated that all I needed was a email or letter from them so I could reference them giving Waypoint the account on my credit report so I can move forward on getting a loan for a house. Waypoint stated that the letter or email I was trying to abtain would have to come from XXXX. I spend all day on the phone XX/XX/XXXX going back and forth between the two and no resolution. Please help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: TekCollect Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, Account Number : # XXXX / TEK COLLECT Reviewing my annual free credit report, Ive notice TEK COLLECT negative account on my credit report. I have never heard, never signal a legal binding contract with TEK COLLECT and I have never heard or received any documentation from TEK COLLECT. Understanding my rights, Ive requested under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } requesting validation by a certified envelope to TEK COLLECT. Listed below Ive request the following information : What money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Please provided a copy of a signed Health Insurance Portability and Accountability Act release form : I have not received anything from TEK COLLECT referencing I have a debt instrument with them. Per the Federal Trade Commission ( FTC ), XXXX XXXX XXXX XXXX is NOT following guidelines of what constitutes proper debt validation. I have NO contract with TEK COLLECT, I am not obligated to buy for the alleged debt TEK COLLECT is the reporting inaccurate information on my credit report. Im planning to apply for a VA mortgage loan, and TEK COLLECT account is negatively impacting my ability to qualify. 

Thank you for your attention, XXXX 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 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the Right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor many not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022 I was notified that my Citibank account ( XXXX ) was blocked for closure. My account was opened as a child and considered a custodial account to my parents joint account. On XX/XX/2022 {$27000.00} was withdrawn from my savings account. Since that time there has been no accounting of this money. I believe that some may have been used to pay outstanding money my parents owed to Citibank. According to my records, {$7800.00} is left and and not been returned to me. Attached is my XXXX statement. I did not receive any statements since this time. I have called Citibank numerous times with no resolution sine XX/XX/2022. Citibank does not make this department available to customers by phone or for any written correspondence. I placed my money in my Citibank savings account to keep it safe and instead it feels that Citibank has stolen it. They have refused to talk with me or provide any accountability with the money in my account. 

Please help me resolve this issue.

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 2020-06-15
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: Account information incorrect

Complaint:
XXXX OF 2020 I GOT A CREDIT REPORT AND FOUND THAT THE 3 MAJORS BUREAUS WAS REPORTING MY INFORMAITON WRONG. I REACH OUT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. ASK FOR A VALADATION OF THE ACCOUNT THE RESPONED TO ME STATING IN WRITING THAT THE DO NOT HAVE ANY ACCOUNT THAT BELONGS TO ANYONE MATCHING MY NAME OR THE ACCOUNT NUMBER.

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 2023-05-27
Company: ENOVA INTERNATIONAL, INC.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I understand when under duress I will do what is necessary and needed to stay solvent. I did not completely read the fine print only to find exorbitant monthly payments but the terms of the loan is for 60 months and interest rates beyond reasonable. I have a modified payment plan for $ XXXX while my credit reports are showing 90 days delinquencies and the current total is {$7500.00} with a principle amount of {$5800.00}.

Company response to consumer: Closed with explanation