BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-28
Company: Pressler & Pressler, LLP
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Pressler and Pressler again have threatened to take me to court to review all of my assets, which I have gone over and filled them in very fully on my assets. Which is XXXX a month from social security and XXXX in clothes hair procucts and face products. I have no trusts I am not a beneficiary, I do not own any cars or own the house. I can not afford to pay XXXX a month to them for the full balance. It has been 9 years I need a much lower settlement on this, that can be broken up. I can not pay out of my only income from the government for my XXXX to pay this off. Please stop the court threats, and lets come up with a reasonable settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: IA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-02-16
Company: EQUIFAX, INC.
State: GA
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 did not consent to authorize nor benefit from the following account ( s ) Pursuant to 15 USC 1692g I have not received a proper response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: FL
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions 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:
Please update my credit report and promptly remove the public record that is currently present. I have attached the necessary supporting documents for your reference. Thank you for your attention to this matter.

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 2022-10-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company by the name of Portfolio Recovery calls me everyday looking for a XXXX. I have told them time and time again that there is NO XXXX at my number. Then they ask for my information and hang up when I tell them it is not needed to remove my number from their records. I have told them to stop calling and that I will report them. Now they call and do not leave messages and hang up when I answer. I know it is them because if I call the number back it states on automatic response that it is Portfolio Recovery. I have no outstanding debt, no credit cards to my name and no unpaid medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: TX
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud! 

Kindly remove this to my credit report. This is causing me a lot of stress and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions 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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-02-19
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The first time an collector called me regarding my account. She told me that this debt would increase and add interest and would negatively impact my credit. I asked her for detail regarding my lease and contract, and told her that this debt could not be increased and nothing in my contact stipulates that. She said that they can do that and will if I dont pay. They have increased my debt multiple times within the past two months and my debt was a rental collection, and i dont owe that amount to my original debtors. This is unfair and she use threaten language regarding my credit score decreases and have since decrease my score by raising the debt owe please origination amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Credit card or account was issued under my name. I have been having a fraudulent freeze on my credit and identity ever since 2020 due to me loosing my license and people using my identity to open accounts and credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I got a letter in the mail for a Civil Action Information Subpoena, and I mailed back the questions they requested. On top of the letter it states that " Failure to Comply with this information subpoena may result in your arrest and incarceration '' It is for XXXXXXXX XXXX their attorney sent this letter. I called my Superior court to get information on this and spoke with someone there about it. They told me a Judgment has already been filed and i never submitted a answer to the court and they already entered it against me. I never got any letters from the attorney saying they were going to take legal action and I was never physically served any paper work or signed any certified letters. I never got anything saying I had a court date and never received a complaint or anything telling me to file a answer with the court. I would have filed an answer if I was sent the correct documents stating I needed to. They are saying they are going to garnish my wages. The account was charged off and I have not since heard or received anything regarding it. I also wanted documentation showing my agreement and that I owe this debt so I will be requesting a debt validation letter. Also it states that I owe {$2300.00} plus costs of which {$2500.00} together with interest from XX/XX/2018. I am unsure how I owe more money on debt that was charged off, and my account is closed. I was never notified of having to pay any Judgement and was never told there would be added interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
There is a purchase on my credit card where I never received any merchandise. There is a tracking that shows it was left at my door, allegedly. XXXX $ + worth of merchandise left at the door? Doesn't sound real to me. 

I would like Navy Federal DISPUTES team to look into this. Not the useless " Fraud '' team. 

XX/XX/2018 XX/XX/2018 XXXX XXXX CA XXXX - {$2100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
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: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I did not authorize these credit inquiries and under the credit laws, I request they be removed from my report immediately. 

Inquiry details 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

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am invoking my rights pursuant to 15 U.S. Code 1692c ( c ), I demand you to cease any communications and collection activity of this alleged debt. XXXX XXXX XXXX willfully failed to comply with the provisions of SUBCHAPTER V of the 15 U.S. Code Chapter 41 with respect to I the consumer and such failure caused damage to my reputation, credit-worthiness and credit capacity which resulted in adverse action being taken against me when I tried to obtain new credit during this pandemic, this has caused me financial injury and am pursuant to 15 U.S. Code 1692k they are now liable to me for such damages sustained due to their noncompliance. XXXX XXXX XXXX willfully failed to comply with the requirements imposed under SUBCHAPTER III of the 15 U.S. Code Chapter 41 in respect to I the consumer and am aware that they are now liable in the amount of {$1000.00} pursuant to 15 U.S. Code 1681n ( a ). Fact, I the affiant am invoking my rights pursuant to 15 U.S. Code 1692K and 15 U.S. Code 1681 ( n ) and make a demand for monetary relief for the violations and actual damages caused to I the consumer due the willful noncompliance by XXXX XXXX XXXX. I am demanding monetary relief for the damages above or I will file suit in federal court within the next 30 days if my demands are not met. This is not a negotiation.

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 2019-01-12
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX # XXXX****The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX .

failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXXis held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Experian Information Solutions 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:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. In addition to this, XXXX XXXX reported that my credit limit was increased during that time period but that no hard inquiry was ever made. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid a contractor in XX/XX/XXXX for a deposit for remodeling. 
In XX/XX/XXXX the contractor sent me an email saying he wasn't going to complete the work and was filling bankruptcy. 
I contacted Citibank immediately and opened a dispute on the charge of approximately {$22000.00}. 
Over the next several months Citibank requested many items of information which I either faxed or emailed to them. 
In XX/XX/XXXX they stated they weren't going to be able to resolve my dispute because they didn't have my claim within 60 days of the last days I received services. This is not true. Being a remodel the contactor was working all the way to XX/XX/XXXX when I filed my claim. 
After not being able to get any assistance from Citibank by phone I opened a complaint with XXXX and I was contacted by XXXX XXXX at Citibank. XXXX worked on my dispute and the claim was supposed to go back to the merchants credit card company in XX/XX/XXXX/XX/XX/XXXX. 
I contacted XXXX XXXX in XX/XX/XXXX when I still hadn't heard anything. He then stated that MasterCard refused to send back my dispute for the original same reason of last days services were'nt received in time ( which is not true ). 
I opened up a complaint directly to MasterCard who instead of speaking with me sent my dispute back to Citibank who then called me once again with the same reason on why they can't help me. I have lost {$22000.00} despite giving Citibank and MasterCard all information requested within time frames requested and am not getting a resolution that I should have coming to me. 
The only fair resolution is I should receive a full refund for services not received. 
Citibank and MasterCard have all documentation sent to them by me and have been unwilling to resolve so I need you to step in and help on this.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: CA
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 your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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

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 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In XX/XX/2022 i made a {$5.00} charge. The XXXX credit card account had been on automatic payments for an unknown period as the card was not used but a couple times per year. XXXX service failed to make the payment, with multiple agents disputing I had set up auto payment or that they even offered the service. I was out of town for work for several months which is why automatic payment is beneficial and I did not get the subsequent late notices, which are ONLY delivered via USPS, no electronic billing options. Even to this day XXXX  denies automatic payments were set up or offered. However, XXXX sent an apology letter admitting the service was offered, I did set it up, and XXXX service did not work as expected and failed to make a payment to my credit card. They also refunded the late fee. However, they refuse to submit a credit report correction or respond favorably to the credit disputes submitted by me, resulting in the only late payment on my credit history for over 7 years.

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 2021-04-06
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was exposed to the XXXX  data breach and got into the wrong hands remove this fraudulent account immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation