BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-16
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a Notice of Collection from Penn Credit Corporation to an address that I have not lived at in 29 years. They are trying to collect {$880.00} from a company XXXX XXXX that I have never ordered from and have never had a credit card with it. I called on XX/XX/2020 to let them know that XXXX XXXX is known as a scam on the XXXX and that their company I am sure is too. They said they have a social security number on file and tried to get me to tell them the last four digits of my number, which I did not. I also looked up Penn Credit Corporation and they have many complaints on the XXXX as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: HI
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:
XXXX is not doing their job and removing late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Forest Recovery Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was unaware of an attempt to collect a debt until I was notified by the reporting credit bureau of such back around XX/XX/2023. I notified this Forest Recovery Servies LLC in writing on XX/XX/2023, and XXXX XXXX responded to my concern as you can read in the attachment. However, I never heard back from this XXXX XXXX nor 'did I from XXXX XXXX. I have attached the documents sent to the reporting credit bureau to remove the account and update their reporting. I have also attached the documents of communicating back and forth with Forest Recovery Services

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

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 2020-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I requested from XXXX XXXX a statement or the letter of approval from the year XXXX THE ORIGINAL DATE these credit card were OPENED AND NOT SOLD. 

AGAIN, I do not need a confirmation of when the account was sold to PORTFOLIO RECOVERY IN XXXX. 


I NEED from XXXX  XXXX WHEN THIS ACCOUNT WAS ORIGINALLY OPENED!!!!!!!! 


APPARENTLY, THE WANT TO IGNORE MY ORIGINAL REQUEST OR SWITCH AND BAIT. 
AGAIN XXXX XXXX I NEED A RECORD OF MY ORIGINAL STATEMENT OR THE LETTER OF APPROVAL FROM XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: CITIBANK, N.A.
State: NJ
Product: Credit 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:
For history purposes, I rented this jet ski on XX/XX/2023 for my birthday in XXXX XXXX XXXX. The jet ski that I was given was pretty scratched up ( as shown on the attached pictures ) and they didnt do a walk-around like they would in a car rental establishment to assess damages that were on the vehicle before rental, but I did not think anything of it. When I came back from the jet ski adventure an hour later, they started pointing to the scratches on the vehicle, and I said those were on the jet ski when I rented the vehicle. They then said, see these scratches are wet and were just done. I said that is stupid, the jet ski is in the water of course the scratches are wet, we argued back and forth and they told me the damages, and I said no way am I going to pay this and me and my family left and then I reported this to Citibank the moment I came back home. The gentleman I spoke to understood, that this is a common scam that happens to multiple people ( see four reviews attached just this year that show a pattern of doing this to people and link to reviews below ). I have also included a copy of the contract that I signed for your review. 

https : XXXX Further, I have attached a picture of what a brand-new jet ski would cost in Mexico which is way more than the damage they accused me of causing. After speaking to the Citibank representative, I was so sure this would be handled by Citibank as this is a commonly known scam that I thought Citibank would recognize. I am disappointed in Citibank that I should have to go to such great lengths to prove myself innocent and that I dont have any protection from people like 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: VT
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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.

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. 

I have never lived at these addresses as stated on my credit report. THIS report IS INACCURATE. : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX OR XXXX XXXX XXXX XXXX, IL XXXX I have not updated the status of the account XXXX  XXXX : # XXXX and this report appears to be older than 7 years old & should not be reflected on my report for any reason.

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 2022-11-20
Company: CONST LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XXXX is a peer to peer lending company that uses borrowers crypto to collateralize loans from investors ( like myself ). 
I've been investing with them for almost two years and currently have {$17000.00} tied up in lending products with XXXX. 
As of two days ago we received an email saying all business operations have been ceased and no withdrawals or deposits will be allowed. 
They said they'll update customers within 10 days, but no one can reach anyone of significance at the company to find out any more details. It appears the company has scrubbed their XXXX page and the XXXX pages of top executives. All collateral and client 's investment funds are supposedly held at or processed through XXXX XXXX XXXX ( registered SEC company ). XXXX XXXX keeps telling us to contact XXXX and won't give us any information, so we have no way to find out what's happening with our funds/collateral or if everything is gone. We have a XXXX channel up where people are gathering evidence, documentation, etc. This is probably the best place to start to get a broad view of what's happening. Details below. 

Discord channel : XXXX XXXX XXXXXXXX XXXX website : XXXX XXXX XXXX  CONST LLC ( Business ID : XXXX ) Formed in Delaware XXXX XXXX XXXX US Business address XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Phone XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX Founder - other company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX website : XXXX XXXX XXXXXXXX XXXX XXXX XXXX SEC registration : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX : XXXX # RegulatoryActions XXXX 'Cease of Operations ' email received by all investors : " Dear XXXX Users, Given the collapses of several cryptocurrencies so far this year and the rapidly deteriorating market conditions that have been prompting heavy withdrawals across all crypto lending and crypto exchange platforms recently, we are sad to inform you that we are unable to continue to operate our business as usual. As such, we are limiting our business activities, including pausing user withdrawals as allowed under our Terms of Service. 
No deposit or investment request will be processed at this time. 

Our team is working diligently towards our objective of maximizing value for all of our Users, and our top priority continues to be to protect your interests. As we explore all options available to us, we will provide updates to you as we go. 
We hope to communicate with you within the next 10 business days on the next steps to address the situation. We appreciate your patience in this trying time. 

Sincerely yours, From 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: Untimely response
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: GA
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: In progress
Consumer complaint received 2021-08-21
Company: Bread Financial Holdings, Inc.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Pay same as cash no interest as long balance was made by due date, I had balance due of XXXX by XX/XX/2021 I made before the XXXX however the day I call which I always make by phone to avoid processing fee talking to a real person I let them know their was phone problems I made payment of XXXX I realize i needed to pay XXXX but the machine had picked up by voice XXXX I was not able to pay XXXX cents I kept calling it took several days to process payment, by then my account had charged interest of XXXX and late fee. 
I call to speak to someone numerous times with no help I had to finally get a supervisor to file a complaint of of course they mailed me a letter telling me everything I already knew. They never considered that I never missed a payment and on said date I was truly trying to pay my balance off! 
I even tried to file a second complaint for I knew I had been done wrong I was told that it wouldnt do any good. 
They should have on file of all my calls and conversations. 
I even ask for a settlement balance answer was no we dont do that,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-16
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed 2 loans with LoanDepot. Not only were these repeatedly delayed which cost me time and money, they were completed months after promised. 

Now I was notified that despite funds being put into escrow to pay my hazard insurance premiums, the hazard insurance premiums have not been paid. It is more than 30 days past closing. I have had to go out of pocket again to pay these insurance premiums so that coverage was not cancelled. 

It took over 2 hours on the phone after calls and messages through their online portal. I was told that a ticket to research the problem will take 3 business days and that there is no one to speak with to pay the hazard insurance premium. 

The agent I spoke with said he spends ALL DAY dealing with complaints just like mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: HYUNDAI CAPITAL AMERICA
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: Account information incorrect

Complaint:
The vehicle was at the creditor dealership getting maintenance. The mechanic left the oil cap off, causing the motor to seize. It was under their responsibility and will not claim it. They originally said they would take care of the loan. However after returning the car, they still reported it as a repossession and this is incorrect information as they assumed full responsibility. They will not return phone calls nor will they return emails.

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 2019-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This complaint involves a Capital One credit card. 
I had a 30 day free trial with a company called XXXX XXXX XXXX, a fantasy football service, back on XX/XX/XXXX. So I cancelled my free trial, before the 30 days were over.I have the cancellation receipt. 
So this company had my credit card information, and 9 months later, they started charging me monthly- {$29.00}. So if I hadn't cancelled their service, I would've been getting charged the previous 9 months too, you know? 
So I contacted Capital One, provided them the receipt showing I cancelled this service, and Capital One told me my cancellation receipt wasn't enough information?? 
I'm so upset with Capital One, they treated me like I'm some kind of criminal, and this company was the one that took my credit card number and started billing me randomly after a 9 month hiatus. 
I got billed 14 times for {$29.00}, as this company started billing me twice a month for some unknown reason, in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I just thought I post this situation, so someone considering any Capital One credit card, might want to rethink about it. 
What is funny, is the same thing happened to my wife, she had the same problem with her XXXX XXXX credit card and the same company, XXXX XXXX XXXX, starting to randomly starting to charge her card a few months after cancellation, and XXXX XXXX was great. They immediately credited my wife 's account, didn't treat her like some crook, and didn't have her on the phone for 3 hours like Capital One, and didn't make her wait for weeks for a decision, and then favor the rogue, scam company. How obvious was this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
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:
Companies Involved : - XXXX in partnership with XXXX XXXX ( card provider ) - XXXX  - Equifax Due to my case not cleanly falling into one of the credit bureaus ' several dispute categories, I have been unable to solve this issue for 5 years now. 

Timeline : XXXX : A clerk at a card table in XXXX sold me on applying for a XXXX credit card. This was in XXXX, XXXX  where I lived at [ XXXX ] XXXX : Card never arrived so I called customer support. They informed me the card was mistakenly sent to the address on my ( outdated ) XXXX  ID rather than the hand written address in my application form. Card was thought to be cancelled at this time. 

XXXX : Late charges on this account began showing on my credit report. 


I have never seen this card, did not activate this card, nor have I ever made any payment towards the alleged balance. I did not see the report until much later. By then the card had been long maxed-out and was closed for non-payment. 

Assumedly, there is a paper trail of spending which demonstrates the card was most likely used near my old address in XXXX XXXX, XXXX. Similarly my accounts have not spent any money in XXXX  store since at least XXXX. 

In general, fraud claims are geared toward *application* fraud. The application was genuine however. The problem lies with XXXX XXXX  in failing to properly deliver the card and later failing to cancel the card ; in addition of course to whoever ultimately found and activated the card. 

Having disputed this many times, the responses I get have been along the lines of being told that they verified no payments were made. Well of course there were none! 

These overly simplified methods of settling disputes are negligent in cases where a human must actually think through the timeline and understand problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: National Credit Systems,Inc.
State: FL
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:
I have disputed multiple times with XXXX concerning the collections account being reported on my consumer credit report from National Credit Systems INC. In lieu of the disputed information, XXXX willfully failed to conduct a reasonable investigation and their determination of the account being " accurate '' and updating unrelated information to my dispute, such as an invalidated " Account # XXXX *STATUS DATE *BALANCE DATE '' were intentional and negligent violating my FCRA right under section 609. On XX/XX/2022, I sent certified letters ( USPS ) requesting a written validation notice requesting the original contract with my signature for an account with National Credit Systems Inc. XXXX willfully failed to delete the disputed information as requested. 

Furthermore, National Credit Systems Inc. violated my FCRA rights by intentionally returning the certified USPS written validation notice request with no signed contract, forfeiting the accuracy and validity that the collection being reported on my consumer credit report is valid.

Company response to consumer: Closed with explanation