BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to resolve fraud on my credit reports since XX/XX/2021 with XXXX, XXXX, and Equifax. My requests have been automatically verified, even though I have called and filed an identity theft report with the FTC. I also filed a police report with my local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
To whom it may concern, On XX/XX/XXXX I had a XXXX card opened. Had a good relationship with company always paid on time. On XX/XX/XXXX they closed my account for reasons that weren't really accurate. Dispute all that we agreed they would remove this from my closed files as I really did nothing wrong and did not want to see Account closed by credit grantor on my file since I did nothing wrong and was all a misunderstanding since no one notified me when they were unsure if I really was me. 

I had spoke to them on the phone quite a few times about the whole matter. The conclusion was they agreed to remove entire card from ever existing in there words to each of the credit scoring companies was because I had over a 5 year relationship with them and always paid on them but they can not reopen my account due. Which I agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2023, I redeemed cashback rewards totaling {$110.00} from my credit card to my checking account ( see image XXXX ). 

I received in my checking account {$1.00} on XX/XX/2023 ( see image XXXX ). This was clearly the wrong amount, so I contacted them via their secure message system on the same day ( see image XXXX ). 

They responded XX/XX/2023 indicating a dispute had been initiated, and they would follow up with a response by mail ( see XXXX ). 

I called their customer service line XX/XX/2023 to follow up on the dispute. I was told they had recognized the issue, but were still working through it. 

I followed up XX/XX/2023 via secure message since I had still not received a response or update. They replied with more or less the same response about the dispute on XX/XX/2023 ( see XXXX ). 

I called later that day to inquire further. The CS rep I spoke with mentioned they had a fix in progress, and that I should see my deposit soon. She also mentioned others were affected by this issue. 

As of today, XX/XX/2023, I still have not received the full amount I redeemed. 

While I understand they have an issue in their system, it is clear they recognize the problem, but they have not taken steps to make me whole. It's been almost 40 days since I redeemed my cashback, and me receiving it should not depend on them tracking down a bug in their own system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-11
Company: Navient Solutions, LLC.
State: NY
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:
To Whom It May Comcern : I have an account with XXXX XXXX, and although I made a check payment that was rejected by my bank, XXXX, did not resubmit the returned check a second time, which is a customary banking practice. Instead, I was referred to the credit bureau as being 60 days late. XXXX has been difficult, if not impossible to conduct business with due the the appearance of their predatory practices. My credit has been ruined, and my life has been turned upside down because of their cut throat and specious practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection randomly showed up on my credit report from Southwest Credit Systems. I have never heard of Credit Systems nor have I received any contact with them via mail or phone. The collection just appeared on my credit, so I reached out to Southwest credit systems certified mail for them to verify the debt and to let them know I do not agree with the debt and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: LA
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:
15 USC 1681c-2 FTC VIOLATION . EXPERIAN, XXXX, AND XXXX FRAUDULENT REPORTING, FRAUDULENT ACCOUNTS, REFUSAL TO PROPERLY INVESTIGATE AND SUBMIT PROOF OF FINDINGS, REFUSAL TO REPORT FINDINGS, REFUSAL TO CORRECT AND REPORT TRUE CONSUMER HISTORY. EXPERIAN, XXXX, AND XXXX REFUSAL TO PROPERLY ADMINISTER CONSUMER ACCOUNT ; REFUSAL TO ACKNOWLEDGE CONSUMER COMPLAINTS.

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 2022-02-11
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cancelled my service with XXXX after over 10 years, and they have the nerve to be billing me {$300.00} a bogus random number they've come up with. Now I see why people get Prepaid Cell Phone Service so these companies don't have access to their credit reports, and social security numbers. 

Now, they have so called outsourced the debt, and now another company, Convergent, is trying to bill me for the same debt again. The companies are really something. 

XXXX has shut down my access to the website, so I can't log in to see what my so-called charges are. I have returned all equipment to XXXX  through the XXXX store they requested and need some help getting these people to return my account to zero. I closed my account in good standing. 

I do not owe either of these companies any money.

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 2018-03-12
Company: TRANSWORLD SYSTEMS INC
State: ND
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back in XX/XX/XXXX I was received a phone call from Transworld Systems stating I owed on an old auto insurance policy with the company I still have insurance with. They claimed to have sent me letters to an address I had lived at 5 years prior. The lady wanted me to pay over the phone and I told her I dont give my credit card out over the phone as Ive had my info stolen before doing such. I told her to send me a bill and I would send them a certified check. A month later I received a letter explaining the debt I owed but no way to send them a payment. I tried going on their website to pay the debt but that didnt work either and so I sent them an email asking for a registration code to get on their website. Finally on XX/XX/XXXX about 2 months after sending that email I finally got a letter with the registration code to log on their website. Tried using the code and it didnt work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: NV
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/2023 there was an inquiry on my credit report from XXXX XXXX that I did not apply nor approve.

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 2023-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received two letters from Bank of America - saying I had been granted two new credit cards under my name. I did not apply for any credit cards. I contacted BofA and the accounts have been marked as fraud and closed.

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 2021-06-27
Company: Army and Air Force Exchange Service
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Military star card has violated my consumer rights and damaged my consumer report rating and as a consumer/natural person I have recently learned my rights under title 15 and would like the account removed pursuant to 15 usc 1681c ( a ) ( 4 ) being thats it is a charge off and military star took a portion of my 2020 tax return and didnt notify me they would. I believe that action was illegal and unethical to take money entitled to me and my family and I would likely have the funds returned to me and the tradeline removed from my consumer report. Military star card has violated my rights by sending me deceptive forms leading me to believe that i owed an alleged debt that they never once verified. The account cant be verified because I am the original creditor according to title 15 an I do not validate this debt. This account has also been a deciding factor is the cancellation of my security clearance and stopped me from gettin a new security clearance with my job XXXX XXXX which has stopped my career advancement.

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 2022-03-16
Company: Incomm Holdings Inc.
State: FL
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:
I received as a gift a {$XXXX} gift card purchased by a friend a XXXX on XX/XX/21. It is a Visa card that indicates it is issued by XXXXXXXX XXXX and the card is serviced by InComm Financial Services , Inc. https : //www.incomm.com/industries/financial-services/ I activated the card on XX/XX/21 and when I attempted to use it, the card had already been used at a XXXX  store in XXXX XXXX XXXX CA on XX/XX/21. I did not make these purchases. 

I contacted InComm per the phone number on the card XXXX and after several attempts and long holds they created case # XXXX. They sent me a dispute form, which I completed and returned to them via email ( giftdisputes@incomm.com ) on XX/XX/21. It is attached along with a balance summary I printed from the vanillagift.com website. Note the form has no contact information anywhere on it. 

They acknowledged receipt the same day and have not responded to numerous emails for a status since then. There email lists Dispute Resolution Team, XXXX XXXX XXXX, XXXX, GA XXXX. 

I called today and was advised that my previous dispute form was not processed and that I would have to file a dispute form again and they would email me the form within 10 days, new case # XXXX. 

This has been pending with no resolution for almost 90 days and it is not clear why my first form can not be processed. I have the gift card in my possession. 

This company is very hard to reach, unresponsive and owes me {XXXX}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Kimball, Tirey & St. John LLP
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: Account status incorrect

Complaint:
KIMBALL TIREY AND ST JOHN, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON XXXX AND XXXX   CREDIT FILES. 
While the account could be properly placed in the public records portion of the credit reports, it is not. 
The account is appearing as a collection and as such it is illegally re-aged.The correct DOFD is XX/XX/XXXX, the day rent was due and delinquent after XXXX that same day. 
To be aged incorrectly by 4.5 months is damaging financially to me.The correct age of the account is 5 years ,4.5 months.When the age of the account reaches 5.6 years on XX/XX/XXXX, the fico affect, a negative affect will be dramatically reduced by the aging process. 
IN CFPB DISPUTES XXXX AND XXXX, the certified court docket provided to XXXX and XXXX was sufficient proof of the re-aging and XXXX AND XXXX   HAD A DUTY, A LEGAL DUTY TO ACT AND DELETE THE ACCOUNT. 
THIS IS THE FINAL NOTICE, THIS IS MAKING A RECORD BECAUSE PLANS ARE IN PLACE TO EMPLOY A XXXX/HR ATTORNEY TO COLLECT DAMAGES FROM XXXX, XXXX AND KIMBALL TIREY ST JOHN, for their consistent violations of the FCRA.Kimball Tirey admitted to verifying this account at least 40 times in the above named CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attention : On XX/XX/XXXX, I received correspondence from XXXX XXXX XXXX XXXX/ XXXX XXXX regarding a debt collection. The creditor referenced is XXXX XXXX XXXX XXXX ( {$520.00} ). On XX/XX/XXXX, a correspondence was submitted inform of certified letter with Tracking # XXXX regarding validation/verification of debt. ( Please refer to upload ) I have submitted additional correspondence regarding validation on account which yielded any information regarding above referenced company being legally able to collect on debt. ( View Attachments ) On XX/XX/XXXX, correspondence received from collector. ( View Attached ) On XX/XX/XXXX, a correspondence was submitted certified with Tracking # XXXX. On XX/XX/XXXX, XXXX XXXX XXXX attempting to sell collections to XXXX XXXX XXXX   while still reporting on all ( 3 ) credit reports. A debt validation letter was submitted to XXXX XXXX XXXX with no response back regarding validation/verification. ( Tracking # XXXX  ) On XX/XX/XXXX, XXXX XXXX has XXXX XXXX XXXX XXXX, XXXX  attempt to collect on a debt which they are appearing on my credit report. On XX/XX/XXXX, a certified correspondence was sent to XXXX XXXX XXXX XXXX XXXX ( Tracking # XXXX ) The above referenced collector failed to provided valid claims to collect on debt by providing documentation. XXXX XXXX continue to sell debt while reporting on credit profile. I have sent numerous letters to credit agencies and collectors regarding this matter and the negative entry remains on profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I HAVE TOLD EXPERIAN & XXXX THIS ACCOUNT IS PAST ITS 7 YEAR EXPIRATION DATE & THAT THEY'RE IN CLEAR VIOLATION OF THE FCRA LAWS. BOTH REFUSE TO REMOVE IT & DECLINE TO DO ANYTHING ABOUT IT BUT LIE TO THE CFPB TELLING THEM THEY CHECKED W/THE CREDITOR. THE CREDITOR HAS NOTHING TO DO WITH THIS BUT THEY DO NOW AS I INVOLVED THEM VIA THE XXXX & WILL INCLUDE THE FTC IN THIS EFFORT IF NEED BE. SEE ALL ATTACHED. AS YOU CAN SEE THE FTC SUED THIS LENDER FOR ILLEGAL LENDING PRACTICES JUST LAST YEAR! I'M CALLING THEM ON MONDAY TO LET THEM KNOW THAT I TOO WAS A CUSTOMER & SHOULD BE ADDED TO THIS SUIT. I PLAN TO LET THE FTC KNOW THAT THE BUREAUS ARE REFUSING TO REMOVE STALE DATED INFO FOR THIS CREDITOR FROM CREDIT REPORTS. THE FTC WILL CONTACT THE CFPB & THAT COULD INITIATE ANOTHER LAW SUIT AGAINST THE LENDER & BUREAUS! YOU'RE THE ONLY 2 STILL REPORTING THIS STALE ACCOUNT. CFPB JUST SUED XXXX XXXX FOR THEIR POOR QUALITY CREDIT PRACTICES. YOU SHOULD BOTH BE NEXT!!!

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the Accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so these matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-15
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello! My name is XXXX XXXX on XX/XX/2023 I pulled my credit report so I can see what was on it. Im looking into fixing my credit and noticed an unknown collection on my credit report XXXX dont recall having this account. I then sent LVNV FUNDING LLC a debt validation letters via certified mail on XX/XX/2023 with a return receipt. I received nothing what I asked for I only a received an itemized billing statement with an addressed thats not associated to me. I ask for proof I agree to this debt with my signature, proof of the amount they claiming I owe is correct and legal, which require all statements and payments history from original creditor. Proof the amount is within the statute of limitation and has not expired. Proof you are the owner of this account, which will require the contract and terms between them and the original creditor. Proof that they are legally licensed, bonded and insured if applicable to collect this debt in my state. For verification purposes, I will need their business license number. They failed to send my requested documents only thing they sent was a itemized billing statement. I then contacted via phone and ask why wasnt the documents I requested for validation wasnt sent. They said they only have what they mail me is a billing statement they brought from the original creditor and they dont have anything with proof with my signature on it. I feel like they have violated my consumer rights and failed to follow FCRA guidelines and also ignored my request to not contact me and cease and desist all future attempts contacting me.

Company response to consumer: Closed with explanation