BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company name hunter warfield is trying to collect XXXX stating I owe rent in 2020 when covid shut down the states and jobs. 

I dont owe this company absolutely nothing I asked this company stop harassing me. 

1. I asked do not call me send everything in writing.

2. I request to send me original contract of the creditor with my signature 3. Payment history 4. Proof of debt assignment 5. WHO and when they purchase this debt I believe this company is scamming! I want to know what kind of debt is this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX became an authorized user for several of my daughter in laws credit cards several years ago. I have recently discovered that she has defaulted on all of these credit cards. I now have these defaulted accounts along with the continues collection process, that also does not belong to me. Accordingly, I demand the deletion of the following accounts from my credit reports collectively : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY INC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
We faxed them a dispute on XX/XX/2020 and they keep saying they dont have it and wont help in anyway according to the law it should be deleted

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 2022-08-17
Company: Resurgent Capital Services L.P.
State: MI
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:
To Whomever Concern, On XX/XX/XXXX. The Original Creditor XXXX  added a collections account on my credit report per LVNV FUNDING LLC XXXX Upon further research, on XX/XX/XXXX When First Noticing the account. I asked the company LVNV FUNDING LLC in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. XXXX are breaking multiple laws as they have sold this debt 3 times, and each time I XXXX XXXX Has disputed the inaccurate account, In results the account was not verified, and was removed immediately. After the 30 days, but the debt was SOLD TO LVNV FUNDING LLC, and the company put the debt back on my credit report. Im demanded for this account to be removed from my credit report, due to the fact the original creditor could not verify the collections account. XXXX  immediately sold the collections account to LVNV FUNDING LLC Without any acknowledgment LVNV FUNDING LLC is also reporting the inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or wet signature for the accused Debt in the amount of XXXX at all. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this COLLECTIONS ACCOUNT off my credit report. As I have no association with XXXX/XXXX  OR LVNV FUNDING LLC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: NC
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX Balance : {$450.00} ; XXXX XX/XX/XXXX ; XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
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: Information belongs to someone else

Complaint:
I've noticed Unauthorized inquiries on my Transunion credit report. The customer service rep did not help me remove the negative and inaccurate inquiries that are reporting on my report. These inquiries are from : XXXX  XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 I have no such accounts attached to these inquiries.

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 2022-08-17
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried for months to get my credit report from Equifax and myequifax.com. Every time I try to login I get an error to call them. I have spent hours on the phone trying to get this fixed. Whenever I'm told it's been escalated I call back and I'm told it wasn't escalated. No one will fix the issue so that I can get my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, the following list of accounts are in violation of my FEDERALLY PROTECTED consumer RIGHTS to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX XXXX account number ending in XXXX XXXX ) 15 U.S.C 1681 SEC 602 ( A ) States I have a RIGHT to Privacy. 2 ) 15 U.S.C 1681 SEC 604 ( A ) SEC ( 2 ) : States a consumer reporting agency CAN NOT furnish an account without my written instructions. 3 ) 15 U.S.C 1681c. ( A ) SEC ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 4 ) 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 consumer knows or has reasonable cause to believe that the information is inaccurate. These items must be DELETED immediately and a rapid re-score is requested. I have written to all of these agencies multiple times especially XXXX XXXX XXXX asking them in writing to please validate this debt with a copy of any signed original contracts or agreement with in 30 days. I have not received anything from them. Ive even called all 3 major credit reporting agencies and still have had no action on their part. Ive put a fraud alert on my social security number. Ive submitted proof that I filed a fraud report and they have refused to remove these items that are not mine. All they are doing is calling me nonstop since Ive sent them a written dispute with updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXXm XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  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 non-monetary relief
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There are 2 addresses and 1 employer that are inaccurate. On XX/XX/20, I mailed a letter to Trans Union asking to please make these changes. They did not respond to my letter and also did not make any changes.

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 2021-05-12
Company: EQUIFAX, 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:
There are 13 accounts on my credit report that do not belong to me they are not mine do not belong to me I have not taken responsibility for these and I should not pay or be held responsible for this. I have opened an FTC for this. 

Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number:XXXX  Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number:XXXX  Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: FISERV INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I recently went to the grocery store ( XX/XX/2020 ) and was checking out and wrote a check for {$85.00}. My check was denied by TeleCheck as being high risk. I was given a receipt with a code and a phone number to contact them about this. Luckily, I had a credit card on me so that I could purchase my groceries. 

I called TeleCheck XX/XX/2020 and after being looped around with a lot of recordings, I finally got a hold of a person who finally told me that because I hadn't written any checks to this business before, I was considered high risk. That it actually had nothing to do with my credit or my account, but that I hadn't written any checks to this merchant before! I have never heard of such a ridiculous excuse before!! Since moving back to XXXX, TeleCheck has denied me on 3 separate occasions!! THREE! All for the same reasons. 

I have excellent credit. My accounts all have money in them. I am gainfully employed and have been working in the same industry for nearly 35 years, but because I haven't written a check to these merchants, I'm considered RISKY?? This is ridiculous and should be looked into.

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 2022-08-17
Company: Wealthfront Corporation
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, Wealthfront sent me an email saying that they wanted to close my account. The email did not state a reason, nor did it give the opportunity to address or respond to any perceived problem with my account. A reply email was ignored. 

After waiting approximately a week for a reply to my email, I sent another email asking for an explanation, only to receive a reply saying that their legal team made the determination, and that they refuse to provide a reason, again denying me any opportunity to address whatever problem they have with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have filed complaints with CFPB regarding Discover Card. Their letters reflect : " Should you have further questions or concerns, please feel free to contact me at XXXX. I am typically available XXXX, XXXX XXXX. to XXXX XXXX. ( ET ). Sincerely, XXXX XXXX. Executive Office of Customer Advocacy '' This is false. I have called and left messages with no return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: IL
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 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 2023-02-24
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Complaint against XXXX I purchased a {$200.00} XXXX visa gift card for my granddaughter XX/XX/22. The card was taken off of the card XXXX  at XXXXXXXX XXXX XXXX and we have been fighting ever since to activate or purchaser with this card. Another problem is that there is no way to communicate with the company except by a phone number which then directs you to send a fax which is never responded to. There is no location address on the site, help line or customer service once a card is purchased. The website is pretty much blank except for this phone number where an operator gives you the fax number. Once you fax you never hear back. That is why my granddaughter reached out to me, but then I never heard back either. 
Company Website : XXXX The company is XXXX, No location address available, and their Headquarters FSV Payment Systems , Inc . 

Step by step My granddaughter was never able to create an account. 
Every time she tried, on the site, it told her something went wrong, and she was never able to proceed and enter the card information to access the money prepaid. 
When she called the help number she was told to provide information, to no avail. 
I faxed a copy of the receipt, both sides of the purchased card and its cover nothing. 
I have enclosed reviews from others in the public. 
I feel this is happening because they can get away with it and they know it. 
This seems to be a policy because the card bank and its headquarters are complicit. From the many online reviews, it seems untold numbers have suffered the same fate with no resolutions. I wrote to them informing them as to those I would be sending this information to, but they could not care less, because they feel nothing is going to happen. As I write this, I still have not heard a word from them, they continue unabated. I wonder if a class action suit could put a stop to the scam. The public is in essence being tricked into sending this company free money. 
I went online to check the reviews of this company and found fraud and abuse in these reviews. This company just keeps the money, and that's it! You are never able to use the card or get a refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-24
Company: REGIONS FINANCIAL CORPORATION
State: GA
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 got gas a XXXX in XXXX, Ga. I purchased my gas at the pump. I either dropped my card or left it at the pump because I was on the phone with my manager at the time. On XX/XX/XXXX I was at home and woke up around XXXX and was going to check my direct deposit and noticed that {$850.00} in fraudulent charges were deducted from account. I immediately locked my car via the XXXX XXXX and chatted online with a representative and she instructed me to contact the local branch. I immediately called the branch around XXXX and spoke with XXXX XXXX who instructed me that she would file the claim on Saturday once the charges had posted. The claim was pulled and the investigation started on XX/XX/XXXX. I called the bank on XX/XX/XXXX and to my surprised the claim was denied because a pin was used. I have never given my pin out to anyone. So, I got details of the transactions and conducted my own investigation. Not to my surprise one merchant allowed me to see video footage and a purchase made at XXXX in a totally different city from where I live. Not to mention I did not wake up until XXXX. I immediately filed 2 reports because charges were made in different states. I am filing this complaint because the bank refuses to reimburse my money that I have worked hard for especially during COVID. Now that the bank refused my claim, I now can't provide my family with a Holiday meal because the bank refused to give me my money back. What is the purpose of banking if there are no protections for account holders after the fact. Hence why there is FDIC coverage. Regions Bank has not protected me as an account holder.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I discovered these fraudulent inquiries that I did not make on my experian, XXXX, and XXXX credit reports including : 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 XXXXXXXX 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