BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: Diverse Funding Associates LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Asked them to validate the alleged account by sending me a LEGAL signed contract. All they sent me was statements for a name that is not mine at an address I do not know. But no legal contract proving I owe this debt or ANY contract that I would have with them that would give them any right to collect the debt AND report this item to the Credit bureaus! Therefore they are illegally reporting this account to all bureaus, thereby being HIGHLY injurious to my credit reports AND my reputation AND hurting my chances of obtaining ANY credit in the future! 

I NEED THIS ACCOUNT REMOVED FROM ALL CREDIT REPORTS AND FOR THE COLLECTION EFFORTS TO STOP! 

I am ready to file suit against them if they fail to legally and accurately respond to my latest letter datedXX/XX/2021

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 2022-11-03
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$940.00} ; XXXX XXXX Balance Owed : {$5400.00} ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: JPMORGAN CHASE & CO.
State: CA
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:
I placed two orders for XXXX XXXX gift cards and never received them. The first order was for two {$200.00} gift cards And the second order was for one {$200.00} gift card. These gift cards were supposed to be delivered via email within 48 hours and never arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Herbert P. Sears Co., Inc.
State: CA
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:
An unknown debt to an unknown company popped up on my credit report on XX/XX/2020. I called the number at about XXXX PST and a live person answered mumbled a company name that did not sound like the company reported on my credit report and immediately put me on hold before I could respond. I rechecked the number on my credit report and called ( same number ) again. A live person answered again but more clearly stated the company and quickly state they had another person ahead of me and put me on hold before I could respond. The person got on the phone asks for an account number, I search the collection flag on my XXXX  credit report and find none, they then ask for my name, which I provided hesitantly because again, the transaction is unknown to me and something feels off about the company. They put me on hold to look me up and returns asking for my date of birth, again I am super uncomfortable but provide it. 

They note some details of a transaction still unknown to me. I say as such and repeat it more than once stating I need written correspondence. The phone agent asks " are you trying to evade my questions. '' This makes me even more nervous about this call. They note they have obviously legitimate since they have reported to credit agencies. I note that I just sat through and looked through 6 months of mail and I have NOTHING from this company. I thought I might have missed something because we have had to XXXX  related health emergencies on top of everything else and I have not been good about physical mail. The calling agent becomes agitated accuses me of interrupting them, not allowing them to speak and evading their questions, and puts me on hold. 

Returns and continues the conversation and when I restate I need physical correspondence because I am afraid this may be fraudulent. The agent asks for my mailing address and I freeze, I ask them to pull this from my credit report because I don't feel comfortable giving an unknown company my physical address. They again become vocally agitated and asks for me to provide. I tell them no. They accuse me of not allowing them to speak and said something inaudible before saying they will be transferring me. 

The interaction was very strange. Felt a bit like entrapment or gaslighting and I got off the phone and my hands were shaking. It was a very dehumanizing experience. As a XXXX woman who has worked in corporate finance her entire professional career I was taken aback and deeply concerned. I still don't know that this interaction was not 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 2020-08-07
Company: PNC Bank N.A.
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:
All kinds of scandalous XXXX going on with this nation including you and pnc bank aye? What a joke. Must be part of the XXXX breakdown y'all involved as well?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Resurgent attempted to collect a debt they did not own. They filed an abstract judgement on my homestead property. They attempted to garnish my bank account which is not legal in Tx. I got an attorney XXXX XXXX we negotiatedo the debt. I paid on it for 3 years per agreement payment to Attorney XXXX XXXX. They stop cashing my checks XX/XX/XXXX. I called debt collector attourney numerous times no response. Called my attorney no response. I sent another cfpb XX/XX/XXXX # XXXX lawfirm did not respond

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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: Their investigation did not fix an error on your report

Complaint:
I'm having trouble with the bureaus resolving an issue with a charged off account. I have contacted all 3 credit bureaus about the inaccurate information being reported on my credit report. The bureaus all came back with XXXX Bank being updated and/or resolved, but XXXX XXXX is still reporting inaccurately on my credit report. It's a closed charged off account reporting monthly.

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 2020-08-07
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY DEISHCARGED XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$100.00} XXXX   XXXX {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023 Total amount is {$2700.00} There have four transactions that I didn't authorize. Two were from XXXX and two were from XXXXXXXX XXXX Later, I found someone using my debit card to withdraw money at ATM, which was also unauthorized. The first time, I dispute these transactions. And they give me the credit. But later, they told me they can't do it and then take the credit back. Thus, I called chase bank again, and an agent suggested that she can help me to withdraw my complaint and refiled it again. But the thing is, they didn't investigate and directly reject my complaint. The third time, customer service told me they can't do anything because of my duplicate file. Let me think of other options. But the thing is, I just do what the customer service suggests. In the end, they didn't solve these unauthorized transactions and leave me away. So, I come here to ask for help. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: RENASANT CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Renasant Bank ( Mortgage loan # XXXX ) XXXX XXXX XXXX XXXX, NJ. I am behind in my XX/XX/2019 payment. I have paid my XX/XX/XXXX and XX/XX/2019 payment. I was assessed a late charge for the non payment in XXXX in the amount of {$52.00}. The bank is now accruing that late charge and is asking for {$100.00}. True, the XXXX payment still has not been caught up yet. However, I thought it was illegal to pyramid late charges.I do plan to have the mortgage current by XX/XX/XXXX. 
This mortgage servicer is pyramiding late charges on one past due payment. 

Please help. 
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 explanation
Consumer complaint received 2018-11-08
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax has really cause me a big hard ache, they are reporting previous address and names thats XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX tx I was a victim of identity thief i have sent several things over they have removed and keep putting it back on, violating my rights with someone else information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I got a debt consolidation loan to pay off my two capital one credit cards. The bank that issued the loan ( PSECU ) did not give me the correct account number and it caused the payment to Capital One to be returned. After getting the correct account number from XXXX ( different from the one they gave me in my online banking ) I made another payment to Capital One. I called Capital One to notify them promptly of the situation. They said it would be ok and that they dont penalize someone for a returned payment. Now, 36 hours later, Capital One closed both of my accounts over this returned payment without consulting with me. I have been a member of Capital One for 14 years without any issues and this account closing will destroy my credit score through no fault of my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For the past two years I have been trying to fix my credit to purchase a home. Transunion continues to report my information inaccurately and I continue to lose my financing because of this. Ive even lost a few lender credits. Transunion never updates the information when I ask, they have reported a dispute inaccurately and they continue to use stall tactics which keep me from getting higher credit limits. Meanwhile I believe they are selling my information because right after I deal with Transunion their is a barrage of creditors and lenders trying to sell me stuff.

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 2020-07-31
Company: BARCLAYS BANK DELAWARE
State: MD
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 a loan with XXXX XXXX, Chapter XXXX Bankruptcy, and BRCLYSBANKDE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, Chapter XXXX Bankruptcy, and BRCLYSBANKDE with no successful resolution. There was definitely an error on their part.

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 2019-08-27
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: Their investigation did not fix an error on your report

Complaint:
The company listed is in violation of the fair credit act, they continue to report to each of the credit bureaus false and inaccurate information. 

what they are listing is that I resided at an address that I have no association with, ( XXXX XXXX XXXX XXXX XXXX PA XXXX ) it is not listed on my credit report, therefore they are in Violation of reporting. 

I have mailed proof, federal documents to have the item removed and it is still reporting as negative and needs to be removed as I will be filing legal action. 


I again have attached my proof of residency as well as my federal documents proving my identity and address.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-11-16
Company: EQUIFAX, INC.
State: CT
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 noticed XXXX XXXX XXXX on my credit report as well as fraudulent inquiries for a balance of {$6600.00} opened XX/XX/XXXX. My purse was stolen last year XXXX with all of my personal information in it such as my ID, SSN, and I had some mail and other personal belongings in my purse that was stolen. Im a victim of identity theft and ask that you delete these Inquiries and account from my credit report immediately. 

XXXX XXXX XXXX XXXX : ) XXXX ( Date : ) XX/XX/XXXX ( Company : ) XXXX XXXX XXXX ( Date : ) XX/XX/XXXX ( Company : ) XXXX XXXX XXXX XXXX Date : ) XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
i have file two different disputes one on XX/XX/2020 the other on XX/XX/2020. still have not received anything from the credit bureaus. i understand with the covid19 things are not normal, but i still should have received reports

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 2018-04-09
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sequium Asset contacted me in regards to my outstanding account with XXXX, Account # XXXX. I agreed to settle the debt for {$1000.00} on XX/XX/XXXX. Agent advised me that I will receive an email that states that account had been settled and that they will contact XXXX XXXX, XXXX to alert them that debt had been satisfied. I received the " paid in full '' letter from Sequium as promised, but XXXX XXXX claims that Sequium has not yet released the money I paid. I tried calling Sequium 11X and advised them that XXXX is still waiting for them to release money I paid. Sequium continues to give me the run around. At first Sequium advised me that they will contact XXXX right away, the next time I called the agent said the end of the month and on another call the manager said on the XX/XX/XXXX they will contact XXXX and on the last call I made the manager said he can no longer assist me since account is no longer with them because debt was already settled. I don't know what else to do no one seems to have the answer to where my money went. XXXX as of XX/XX/XXXX has not yet received my payment. 

Attached is receipt of settlement I made with Sequium to satisfies debt owe with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
PayPal keeps sending me debt collection attempt emails and I believe Im the victim of fraud or and someone using my social security number because I never had PayPal nor owe anything to them. I would also get many phone calls threatening me and claiming to put me in jail ... very scary and Im really clueless as to what to do until a friend told me to file a complaint through here. XX/XX/2019 is what I see showing up on my credit reports and this is not right. Please help me this is definitely not valid

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 2021-06-04
Company: Phoenix Financial Services LLC
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: Their investigation did not fix an error on your report

Complaint:
The company Phoenix Financial Services LLC is reporting two collections on my credit report and after submitting several documentation proving that both of the medical balances have either been cleared or on a monthly payment plan arrangement they have not removed the derogatory marks from my report. I have received numerous calls from their company harassing me and even after I blocked their number they use other numbers to contact me. After being harassed by them so many times I decided to change my number which caused me to loose clients and lose money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am writing to dispute the following information on my TransUnion consumer credit report : Four closed accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX / XXXX accounts ) Collections accounts from XXXX XXXX XXXX XXXX XXXX I believe that this information is being reported illegally in violation of the Fair Credit Reporting Act ( FCRA ). 
The FCRA defines a " consumer report '' as any written, oral, or other communication of information by a consumer reporting agency ( CRA ) bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 
However, the FCRA excludes certain types of information from being considered consumer reports, including : Information solely as to transactions or experiences between the consumer and the person making the report.

The four closed accounts and the collections accounts from XXXX XXXX XXXX XXXX XXXX are all examples of transactions or experiences between me and the businesses that are reporting them. Therefore, this information should not be included in my credit report. 
I request that you remove the inaccurate and incomplete information from my credit report immediately. I also request that you investigate the source of the inaccurate information and take steps to prevent it from happening again. 
Please notify me within 30 days of the actions you have taken to resolve this dispute. Thank you for your time and 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 non-monetary relief