BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: Source Receivables Management LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account # XXXX To Whom It May Concern : I dispute your claim and request validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide a breakdown of fees, including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me asrequired under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2021 I paid Bank Of America credit card {$950.00} instead of my home loan. I contacted them with in days after realizing my mistake. They told me they could not find my information and I must have been purged from the system for inactivity. I had no idea they closed my account. 
Multiple phone calls later we received info and my bank faxed over everything to XXXX XXXX as instructed. My bank said it had all the info needed to find and send the money back. This never happened. Me nor my bank ever received a reply either. I even called and emailed multiple times. 
I included a copy of my old physical cards as well as the my bills pay payment records that proves payment was made. 
This has been going on for months. 
To this day Bank of America has returned {$0.00} They can not keep my money when there is no account to credit. 
They closed the prior complaint stating they would send the results to me. THEY DID NOT and will not return phone calls.

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 2023-04-01
Company: Collections Acquisition Company, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed collection on all 3 credit bureaus. I did not make a purchase from any XXXX XXXX XXXX XXXX! The collection amount is XXXX. I filed a dispute with all 3 credit bureaus to no avail!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, 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:
my home was broken into my car vandalized we lost our id and many other persoanl items like ssc and birth cert and other priceless items this company has sold the debt and failed to comply with the fcra guidelines by proving that any of the debt match my address which they could not or i would have seen this sooner please help XXXX XXXX XXXX blance XXXX $ XXXX XXXX XXXX XXXX balance XXXX $ XXXX  account XXXX $ all are fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I purchased 2 visa gift cards from XXXX XXXX on XX/XX/2021 in the amount of {$100.00} each ( {$200.00} ). My grandchildren registered the cards online and seen there was a {$0.00} balance. I called XXXX and, first of all ), they kept me on hold for over 90 minutes, then they said they have to go to us mail to send fraud form for grandkids to fill out. They never got them. So I had to call them ; wait again, and they said they can not talk to me because the cards are not in my name, so I had to do a XXXX call for them to authorize me to speak on their behalf. They said I had to send a letter for each card explaining what I think happened, etc. So I faxed it to them and when I called back, ( wait AGAIN ), they say I have to verify card before they can speak to me. I asked to speak to a manager and I waited for over 30 min and never did get a hold of manager. All they do is give me the run around... big time!! I have NEVER had such bad customer service in my life, on top of loosing {$200.00}!! Someone has to do something about this customer service and their fraud process!! This is the most unprofessional company I have ever had to go through ... utter nightmare!! Also, spoke to a XXXX XXXX supervisor about this because I purchased there ; he stated he is going through the exact same thing with this company... crazy!

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 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TRANSUNION IS HAS VIOLATED MY RIGHTS AS A CONSUMER AND HAVE NOT REMOVED AN ACCOUNT THAT CAN NOT BE VERIFIED. I CAN ONLY VERIFY DEBT. AND I DO NOT VERIFY THIS DEBT.

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 2023-06-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello, Im here to make another complaint on a fraudulent bank account opened under my identity. Its causing major problems with my active bank account that I opened, XXXX XXXX XXXX XXXX. This is completely insane. Never was i a consumer of US Bank. This matter needs to be investigated.

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 2022-03-01
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: Was not notified of investigation status or results

Complaint:
its been over 4 months now and I thought I would get a response from your company after 30 days but it seems my letter is being ignored. I sent the letter on XXXX XXXX but I sill haveng hot any response. I joined an online forum that discusses consumer rights and credit bureau violations and I was told that I could file complaints on CFPB since you are not doing what you're supposed to be doing. I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. Please reinvestigate and send me proof that you validated everything. I will wait for another month before i take my next steps.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. I do not consent to an electronic communications. I request all responses be in writing through the USPS.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2023 I submitted a complaint to the Consumer Financial Protection Bureau case # XXXX detailing how XXXX XXXX XXXX XXXX XXXX had reduced my XXXX XXXX XXXX XXXX from {$14000.00} to {$2800.00} a day after I made a {$10000.00} payment. After contacting XXXX numerous times and being told there was nothing I could do about it, I closed my account and stopped payment of the {$10000.00} payment I made the day before. I stated to CFPB as well as to XXXX that I had never been late with my account and it was customary for me to make several large payments every month as I used that credit card heavily because of its rewards feature and that it was a poor business practice to cut someone's credit limit 80 % without any form of contact to the customer. They never called, texted, or emailed me informing me of the reason for their actions. After complaining to a high-level supervisor at XXXX they finally mailed me a letter saying my credit score had gone down. I have NO LATES with any of my current or past credit cards ( currently I still have almost {$120000.00} in credit limits with my current credit cards ) but it's their credit card and they can do what they want so I accepted their decision. My problem with XXXX currently is that their idea of " fixing '' my issue is to show a closed account with a credit limit of {$12000.00} instead of {$2800.00}. The problem I have with that is that it still shows me with a history of being over the limit and subsequently lowers my credit score. In addition, XXXX showed me 30 days late in XX/XX/2023 when their app showed me a minimum payment due of almost {$10000.00} due to the credit limit being lowered. When I spoke to the person at corporate, he said he would get both the credit limit on the closed card and the late payment resolved and he would get back to me in a few weeks with the resolution. Fast forward FOUR MONTHS and still nothing has been resolved. XXXX 's actions have severely impacted my credit score as well as my reputation as a reliable and responsible credit credit-worthy individual.

Company response to consumer: In progress
Consumer complaint received 2023-12-18
Company: Avant Holding Company, Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The Avant Mastercard has, since XX/XX/XXXX, been facilitating unauthorized charges on my account. After patiently awaiting a resolution for several months, I initiated contact regarding one of the listed charges using the provided phone number on my statement, as I did not authorize any of these charges. During this communication, I spoke with a person identified as " XXXX XXXX, '' who claimed to be the manager of the Fraud Department at a company called Factory Gadgets Direct. This company initiated a subscription resulting in charges processed under various names, including XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

In a respectful manner, I requested that XXXX XXXX reverse these charges on her end and cease further charges to my account. However, she outright refused. XXXX asserted that she had evidence supporting my involvement in these charges. When I requested a copy of this evidence to be emailed to me, she mysteriously claimed not to have my email. Despite providing my email address during the conversation, I never received any documentation. Despite diligent checking, including my spam folder, no such documentation was sent. This situation strongly suggests the dubious nature of the operation, and subsequent attempts to contact the provided phone numbers proved unsuccessful. 

Compounding the issue, after a year-long purported investigation, Avant sent a letter asserting the validity of the charges and indicated their intention to continue processing charges from the various businesses associated with " XXXXXXXX XXXX XXXXXXXX. '' I urgently seek assistance to compel Avant to close my account to halt the ongoing fraud. Should this not be addressed promptly, legal action against Avant may become necessary. Despite my repeated requests, Avant has disregarded my plea to provide evidence supporting the purported charges. 

It is noteworthy that I encountered similar instances of fraud with other XXXX accounts associated with XXXX XXXX and XXXX XXXX XXXX XXXX. In both cases, those companies promptly closed the affected accounts, reversed the charges, and addressed any associated fees related to the fraudulent activities. In stark contrast, Avant has thus far refused to take similar corrective actions. 

This identity theft incident has been a nightmare overall. Additionally, I was alerted to another data breach incident at the XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, where my personal information in my XXXX  record was accessed due to a DOE employee 's mistake. As compensation, the XXXX XXXX XXXX XXXX provided me with 2 years of free credit monitoring and identity theft monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a complaint against timeshare XXXX XXXX XXXX - XXXX XXXX XXXX The people we dealt with told us that we were making a good financial investment. They said I can earn from this if I decide to sell it as the resale value would go up. We were also told that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's our last chance at the lowest price. They opened a credit card. They offered gifts like {$100.00}. They have our ID during this process. We felt extremely pressured during the whole process, they even used threatening statements when we asked assistance in selling. We didn't know how to cancel, we were never properly educated of it like how many days to cancel and such. We tried requesting to cancel but we were never assisted. We had the worst experience with this timeshare, we were highly pressured with their sales tactics. We were under impression that it was a bargain deal being offered to us, purchasing someone else 's timeshare that they needed out of. Thus, we were led to believe that they actually assis owners who need to sell and exit. We were simply defrauded and lied to. We're elderly, it felt our age were used and had been taken advantage of. Having this timeshare just gave us hardships than giving us a way to relieve our stress for people our age, especially when we're already dealing with several medical conditions but getting involved with them just doesn't help, actually making it worse for people like us. We had financial difficulties, negatively affecting our credit scores because of this, loss of income, can't pay bills etc. Experienced work stress and issues due to this timeshare, plus emotional relationships were affected well. All we got is being stressed out ever since we had this timeshare.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Nelnet, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
my student loans were on an income driven repayment plan which required me to have a XXXX payment.. once covid came loans in forbearance due to the government putting payments on hold. The lender reported for a total of 16 months that every month i was late. I tried contacting them and letting them know my loan was on an income based repayment plan and also the forbearance the government provided was in place during the time they were reporting my loan as past due. i have given them 2 months to report the mistake to the credit bureaus but they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: BARCLAYS BANK DELAWARE
State: WY
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:
Letter submitted to Barclays : To : Barclays Card RE : Case ID : XXXX Unauthorized charge of {$110.00} from XXXX XXXX charged on XXXX to my card ending in XXXX. 

Dear Sir or Madam : I promptly submitted a dispute on Barclays website to this unauthorized charge. I received a letter dated XXXX XX/XX/2021 from Barclays telling me they could not pursue the dispute because they had not received from me documentsallowing us to pursue credit from the merchant.

I called Barclays customer service number given in the same letter to inquire as to what documents they needed. I did not receive answer that made any sense whatsoever. To be frank, it seems that this request for documents is simply a way for Barclays to shirk its responsibilities under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act, which protect consumers from unauthorized transactions. Whats more, the documents requested are seeking a paper trail of something that does not exist, since there was no authorization for this charge. I have spent an unimaginable amount of time on the phone trying to get this resolved, with no success, and the complete unavailability of billing specialist or supervisor at Barclays.

Although I have tried to contact the Merchant, they are unresponsive and require that I set up a new account with them in order to have any contact with them. There is no phone number for the merchant at allno mailing addressand no way to contact customer service. Spend some time on the XXXX website and you will see what I mean. 
Please help me help Barclays to meet their obligations under Federal Consumer protection laws by covering this unauthorized charge without further action. 
Respectfully, XXXXX Cc : Consumer Financial Protection Bureau. XXXX XXXX  XXXX XXXX, Washington, DC 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