BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with ThXXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-02-24
Company: CITIBANK, N.A.
State: OH
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:
At the end of XX/XX/2021 my citi financial card was lost, and used. The card was at a zero balance prior to me losing it. I called and reported the card lost the moment I found out. Citi advised me NOT to make a payment during the investigation, and told me it will take only 2 weeks. That was 4 months ago. And they reported my account 120 days past due, RUINING MY CREDIT REPORT, I have spent HOURS TALKING TO OVER SEAS CUSTOMER SERVICE REPS THAT HANG UP ON ME, After promising return calls and resolve, NOT ONE TIME HAVE THEY ACTUALLY HELPED. I have called in at least 30 times and spent HOURS AT A TIME HOLDING AND EXPLAINING. I even reported to the credit bureaus but yet they havent been able to help either!

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 2023-11-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB, My name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from Portfolio Recovery Associates and it is showing on my credit report without my consent. I have no contract with Portfolio Recovery Associates and have given no consent for them to use my name, likeness, or credit data. 

Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX, XXXX, and XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow.

Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C.

1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$1000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$580.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$910.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1100.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX AC # XXXX, XXXX, Amount {$560.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX AC # XXXX, XXXX, Amount {$530.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX AC # XXXX, XXXX, Amount {$5900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I am a Paypal user with email address XXXX and PayPal has locked my account asking me for documents including my ID card, bank statement, proof of address etc which I provided and in the app it says 1 business day. 

However the block was put over 26 days ago and this has really affected me because I have over {$5000.00} in there that I need to pay rent because my rent has expired and the landlord is on my neck or I'll risk my things being thrown out. 

I need PayPal to unlock my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There apparently was a rental debt from over a year ago, I told them that I was not the one who applied for the apartment and they didnt listen. My daughter clarified that the debt was for a refundable fee from the apartment and that she had emails that it should have been cleared. He didn't listen to her and forced her to pay anyway and stated The person who told you that probably doesnt work there anymore anyway. He gaslit her and said he was in the process of moving and thats not how this works. Overall, very disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified letter asking the company ( Jefferson capital ) to verify this debt. I never did business with this company and have no knowledge of the debt with them. They replied with some generic letter and would not provide me with the proof of contract between me and them or the contract between them and the supposed original debtor. no chain of custody provided and they would not remove the debt from my consumer credit report as required under the FCDPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My family and I have had issues paying our mortgage in the past year. My husband is a XXXX vet and has recently had XXXX and is currently unemployed. We have filed with Navy federal with the loss mitigation department to help push back some of our payments to the back of our loan. Last year when we filed we were asked numerous times to resend paperwork and proof of hardship that we sent in. NFCU was asking us to resend paystubs and our taxes even though they had all these documents from our refinance. We spend time sending and resending all the information needed over and over again but never had the right combination of documents completed according to NFCU. This year I filed again for loss mitigation as my husband had XXXX and is unable to work. NFCU has asked us to send them a hardship letter and my husbands pay stubs again recently even though I made it expressively known that he is unemployed. A few months back we owed the bank over XXXX dollars and I paid down that debt to XXXX. While we are in the process with loss mitigation I am told I am not able to make partial payments and in the same breath they ask us to pay a month in a half of mortgage owed- this is a partial payment thus they are going against their own philosophy. We also received a notice of foreclosure yesterday. I am just in shock as I thought that while we are in loss mitigation and potential forbearance they can not foreclose, not to mention I owe less then a few months ago. We have told them that starting next month we will be able to start making our regular payments as scheduled since my husband will finally receive his VA XXXX back. These 2 years have been extremely hard on us financially and I thought that banks should make an effort to assist us. I have XXXX small kids and with a prospect of losing my home we would just be tossed out on the street like garbage. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
institution, which I believe to be in violation of 12 CFR Part 1002 Regulation B, Title 15 U.S. Code 1602 ( p ), Title 15 U.S. Code 1644 ( f ), and Title 15 U.S. Code 1611.

The adverse action in question pertains to the denial of my recent application for a XXXX XXXX XXXX. ref # XXXX On XX/XX/2023, I received a written notice from your institution, indicating that my application for a for XXXX XXXX XXXX. ref # XXXX has been denied. The specific reason ( s ) as to why I was denied is irrelevant because I have the right to credit and withholding my securities is securities fraud! Your institution is in clear violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act!

In light of the above violations, I kindly demand, Since I have been denied access to my own credit, that you please retract my application!

Please acknowledge receipt of this dispute letter within 10 business days and inform me of the actions taken to address my concerns. Should you require any additional information from me to facilitate this process, please do not hesitate to contact me. 





XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-06-15
Company: Experian Information Solutions Inc.
State: TN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I traveled to XXXX XXXX on XX/XX/XXXX to celebrate my birthday. On XXXX  XX/XX/XXXX, I took a taxi cab from XXXX castle in XXXX XXXX back to my hotel ( The XXXX ). I only opted for a cab because I was having connection troubles with my phone service so I could not access my XXXX app. Once we arrived at the hotel, the meter reading was for XXXX pesos. The driver brought out a blue machine for me pay with. I swiped my card the first time, he told me to try again as the card did not go through. I swiped the second time, it went through, I got out, he drove off and I went inside my hotel. I checked my email, I received a notice from Capital one stating that a charge for {$1100.00} was denied due to low funds. I immediately logged into my account, I noticed the denied charge, I also saw a pending charge for {$280.00} all from the same merchant. I contacted my bank immediately and told them everything all within a span of XXXX hours of this fraud. I was told there was nothing they could do since the charge was still pending. I would have to wait until the charge was posted before they can file a claim. I was advised that the charge would post on XXXX. I called again and filed the claim, I was told that my case would be escalated and a provisional credit would be applied to my account. Neither was done. I followed up almost everyday, spoke with managers, each time I was giving a different information pertaining to my claim. Today ( XX/XX/XXXX ), I called to follow up and I was told that my claim was denied. They refused to give me back my money even though my transaction history corroborates activities of fraud from this cab driver disguised under XXXX XXXX. The bank is asking for documents that I do not have, I already spoke with a rep advising her that this was an unauthorized charge. There is more than enough prove in my transaction history to get my money back but my bank refuses to acknowledge or refund. I don't know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: NY
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have an account or debt with LVNV Funding. My information was sold without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing this letter to formally dispute the alleged debt, which appears on my credit reports and is currently being pursued by Columbia Debt Recovery. After thorough review, I have determined that I do not recognize this debt, and I believe it has been reported in error. 
I am deeply concerned about the inaccurate and damaging information that has been reported to the credit bureaus, as it has caused me significant emotional distress. I understand that the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) provide consumers with certain rights, and I intend to exercise those rights to rectify this situation promptly. 
I request that Columbia Debt Recovery conduct a thorough investigation into the validity of this debt and provide me with all relevant documentation supporting its legitimacy. This includes but is not limited to : A complete account history, including details of the alleged debt, its origin, and the original creditor. 
Copies of any signed agreements or contracts related to the alleged debt with any ID that proof that I own this alleged debt. 
Verification of the date of the last activity on the account.

Documentation proving that Columbia Debt Recovery has the legal right to collect on this alleged debt. 
Please be advised that, until such time as a thorough investigation is completed and you provide me with the requested documentation, I dispute the validity of this debt. I also insist that you cease all collection activities, including reporting this debt to the credit bureaus, until the matter is resolved. 
I am aware of my rights under the FDCPA and FCRA, and I am prepared to take legal action if necessary to protect my rights. I expect Columbia Debt Recovery to act in accordance with the law and to provide me with a prompt response to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just received an alert that Credence Resource Management Collections has been added to my consumer reports. This is defaming my character, as well as causing emotional and physical stress, anxiety and restlessness, therefore causing me to have XXXX XXXX XXXX among other health issues, and causing harm to my credit worthiness.

Company response to consumer: Closed with non-monetary relief