BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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 called my credit card company ( XXXX XXXX XXXX ) and asked what was going on because I see on my credit report that the company has me in collection. I stated to my card company that I do not have a balance on my card. The CSR looked into my account and stated that my account was not in collection and there is no balance. I asked why was it showing their name and the CSR stated there was not anything in the system showing other than my up to date card with no balance in good standing. I then hung up and called the company Portfolio Recovery. I explained to them what I told my credit card company. They looked into their database and said they see a credit card with my name on it. I told them I only own one card and it is active and in good standing. I also informed the company that I am a victim of identity theft and that someone open an account in my name. They kept insisting that it belongs to me when I told them I call the credit card company and they have no knowledge of it and I have a card with the company for several years in very good standing and no balance. This portfolio recovery refuses to listen or remove the account regardless of how many times I dispute this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: STERLING JEWELERS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
In XXXX of XXXX, I opened an account with Jared. In XXXX of XXXX, I faced significant financial hardship and realized I would not be able to independently manage my debts. I contacted XXXX XXXX XXXX ( XXXX ) to help manage certain accounts that I feared I may not be able to manage independently, which included the Jared account. In XXXX of XXXX, XXXX contacted Jared directly and advised that they would be managing the account and presented Jared with a Power of Attorney letter executed by myself. In XXXX of XXXX, Jared verbally agreed to enter into a settlement agreement with me for 3 payments to be sent in XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. As such, XXXX issued the first payment to Jared in XXXX of XXXX. However, Jared took exceptional lengthy time to execute and return the final agreement ; and subsequently, changed the final written agreement to accept payments in XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. This was after the first payment was issued in XXXX of XXXX per the verbal agreement. Therefore, the second payment was issued by XXXX in accordance with executed final settlement agreement. To date, the company continues to report this account as having late payments from XXXX of XXXX through XXXX of XXXX, for a total of 6 late payments, in spite of the settlement negotiations commencing in XX/XX/XXXX and the initiation of payments in accordance with the agreed upon settlement in XXXX of XXXX. 

I spoke with Jared at length on XXXX XX/XX/XXXX, and Jared refused to acknowledge any part of the settlement agreement reached with XXXX and refused to remove the negative reporting from XXXX, which is inconsistent with the legally binding verbal agreement and final written agreement entered into with the Jared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
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: Was not notified of investigation status or results

Complaint:
I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED. WAS NOT NOTIFIED OF INCORRECT INFORMATION ON MY REPORT. 

I MAILED OFF MY CHALLENGE LETTERS XX/XX/2023

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 2023-08-25
Company: Experian Information Solutions Inc.
State: NC
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX {$4600.00} Inquiries from : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Wrong address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2023-01-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I'm lost my wallet, a few days later I see some transactions that I don't recognized, I call C

hase fraud department and make a claim about the transactions. The chase department r
eplacement my card and refund me with the money in XX/XX/XXXX while they investigate the transactions, 5 days later they removed the funds that they provided before and my account become negative, I don't know why because my card was lost and used by someone. I need help with this please. The transactions are the following : XX/XX/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} I reported this transactions too, but I never received any money back or letter explain why this transactions they never investigated. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 appreciate the effort taken to address the removal of certain fraudulent items from my file, stemming from an alleged identity theft. However, there are still remaining items that require removal from my credit reports. As a victim of identity theft, this serves as another request to eliminate these outstanding items from my credit file, attributed to alleged identity theft. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to remove any such items not later than 4 business days after XX/XX/XXXX. Despite the passage of several months, only a few items have been removed. I have previously raised this issue in my initial complaint, and I am reiterating it now, along with my new FTC Report XXXX XXXX  Additionally, the information provided on these items is UNKNOWN to me, and it has been REMOVED from other bureaus, raising doubts about their accuracy. Below are the specific items identified for removal per bureau : -- -- -- -- -- -- 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 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ( XXXX ) XXXX {$4600.00} Inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX JXXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Wrong address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 non-monetary relief
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 received copies of my credit report in XXXX of XXXX. I noticed that information was being reported inaccurately. I disputed the information with ALL THREE credit bureaus to which I received either a stall letter or no response at all. I sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. I have not received an update regarding my disputes, nor have I received an investigation letter. I only received stall letters. I provided a copy of my lease agreement and my driver 's license to prove my identity in my initial letter. The bureaus are inaccurately reporting late payments on my credit report for the creditor XXXX. 

TransUnion is reporting 5-30 day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can a person be 30 days late 5 months consecutively? TransUnion is also reporting 2-60 day late payments for XX/XX/XXXX and XX/XX/XXXX. Again, how can a person be 60 days late 2 months consecutively? TransUnion then reported a 60 day late payment for XX/XX/XXXX with XX/XX/XXXX being reported as on time. How can a person be 60 days late when they were just on time for the previous month? This is a FCRA Violation. 

XXXX is reporting 5-30 day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They reported 3-60 day late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can a person be 30 days late for 6 months consecutively? How can you report 1-60 day late payment for XX/XX/XXXX and then start with a 30-day late payment for XX/XX/XXXX? How can a person be 60 days late for 2 months consecutively? XXXX then reported a 60 day late payment for XX/XX/XXXX with XX/XX/XXXX being reported as on time. How can a person be 60 days late when they were just on time for the previous month? This is a FCRA Violation. 

XXXX is reporting on time payment history from XX/XX/XXXX to XX/XX/XXXX which directly contradicts what was reported to XXXX and TranUnion. However, XXXX then reports a 60 day late period for XX/XX/XXXX. How was XX/XX/XXXX reported on time but XXXX XXXX 60 days late? XXXX again reported XX/XX/XXXX as 60 days late with XX/XX/XXXX being reported as on time? This is a FCRA Violation. 

I have provided this information to all 3 bureaus several times with them blatantly ignoring me or purposely stalling by requesting information that was included in the initial letter. This is a violation of the FCRA and is purposely prohibiting me from accurately displaying my credit worthiness and ability to pay on time to potential lenders resulting in credit denials that otherwise would be approvals.

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 2023-06-21
Company: CAINE & WEINER COMPANY, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Caine and Weiner Company , Inc. did not respond to my previous request ( Complaint ID : XXXX ) for a breakdown of the balance details. There are XXXX balances referenced on XXXX of their correspondence letters including a reinstatement amount and an amount due of {$730.00} and {$14000.00}, respectively. This letter is not dated, but drafted by representative of that company, XXXX XXXX, ( XXXX ) XXXX ( attached ). As indicated on my previous correspondence, I attempted to reach XXXX XXXX via phone to no avail. I left at least XXXX voicemail. The company also claims they attempted to reach me, but they did not specify the means by which they claim to have done so ( e.g., email, phone, or witten letter ). Furthermore, no date is specified, nor did they disclose who they claim attempted to reach out to me. You can refer to the company 's response in the aforementioned complaint ID to confirm this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I went to set up an online account to view and manage my Capital One account. While doing so they claimed that I had two accounts, one with Bass Pro and a second with Cabelas. The Cabelas was opened on XX/XX/XXXX. I did not authorize this account. I called them and they said they would cancel the account. I then contacted the three credit reports and they confirmed that the account was never opened but there was an unauthorized inquiry and the listing of an unknown home address on my credit report. I placed a dispute into all three of the credit reports and they are in the process of investigating the complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: National Credit Adjusters, LLC
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
NATIONAL CREDIT ADJUSTERS at XXXX XXXX XXXX XXXX XXXX KS XXXX. Has been sending me collection notices in the amount of {$620.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Resurgent Capital Services L.P.
State: GA
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:
Good morning I sent Resurgent Capital Services on XX/XX/2022 several very thorough requests to validate my debt and only received a mere portion of the requested documents I asked for. 

I reminded them that according to the FCRA they are required to validate the debt thoroughly and accurately and I have yet to receive all of the requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX, ( Debt Collection Agency ), has been constantly harassing me with numerous calls at various hours of the day/night while not only when Im at home, but even at work where I told them not to call during my work hours! My credit account with XXXX XXXX, ( Debt Collection Agency ), was disputed with all 3 credit bureaus. After XXXX investigation into the account they deleted their debt collection from my credit account ; however Transunion XXXX XXXX both claim I had disagreed a Correct debt with XXXX XXXX and refuse to take the collection off my report even when it was proven to be deleted by XXXX investigators/investigation claim/dispute! Through just the week of XXXX XXXX XXXX has contacted me a number of +9-10 times throughout the week under their number of ( XXXX ) XXXX from XXXX XXXX, SD as well as calling during my work hours when I specifically told their company not to do so. This is in clear violation of the harassment code of the Fair Credit Reporting Act and I would like their collection removed from my account like XXXX team has wonderfully done and want the harassment by their company to end!

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 2023-05-12
Company: EQUIFAX, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX, XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX AV XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: TX
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:
My name is XXXX XXXX, I am formally filing a complaint to dispute the credit reporting made on my mortgage accountHello all, I am formally filing a complaint to dispute the credit reporting made on my account ( account # XXXX ) by XXXX XXXX  in XX/XX/XXXX, and that has damaged my credit score and caused lots of harm to me and family. 

In fact, I initiated the cashier check for the XXXX payment XX/XX/XXXX and mailed to XXXX XXXX XXXX  ( XXXX XXXX XXXX ) on XX/XX/XXXX via US postal service ( attached a screenshot of my bank statement showing the {$2900.00} was deducted from my bank account - {$2900.00} minus the {$10.00} cashier check fees ). I later received a call from XXXX around XX/XX/XXXX that I did not send my monthly payment. I advice the mortgage company that the payment was sent and my bank account was debited. I further provided the shipping track number from USPS showing the check was mailed XX/XX/XXXX. The agent advised to wait until they find the check. I later followed up many time and the answer was always the same : Wait until we investigate and find the check. I became concerned of the timing and raised concerned about them reporting me as being delinquent. After many calls and insistence, one XXXX agent finally told me on XX/XX/XXXX to put a stop payment on the cashier check as they could not locate, and issue a new cashier check. He further assured my that will not impact my credit reporting. I rushed to the bank, placed a stop check on the previews cashier check, and issued a new cashier check for the amount of {$5800.00} ( for the missing XXXX payment and XXXX payment ). I mailed to XXXX same day through priority Mail next day delivery and certified mail. I check later with XXXX and was confirmed that it was delivered to XXXX on XX/XX/XXXX. I was later surprised that XXXX Mortgage reported me as being delinquent for the month of XX/XX/XXXX, stating i sent the payment on XX/XX/XXXX. 

I was not delinquent in XXXX as screenshot from my bank account clearly show the mortgage payment was debited from my bank account on XX/XX/XXXX, cashier check issued and sent to XXXX same day. 

I disputed the credit reporting with XXXX, but they keep insisting i was delinquent and that they receive the payment on XX/XX/XXXX. 

Please help me solve this and fix my credit reporting score that is already being damaged. Thanks.

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