BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: PA
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:
Experian would not let me submit documents throught the Dispute process so I'm submitting them here! Sent email on XXXX XXXX2022 with response saying they couldn't accept it over email. 

Comments for Documents : On or around XX/XX/ 2022 XXXX XXXX XXXX XXXX was sued by XXXX XXXX  XXXX XXXX. For XXXX credit card. The hearing was held on XX/XX/ 2022 in front of the honorable XXXX XXXX XXXX magisterial district judge for this Commonwealth of Pennsylvania small claims court XXXX - XXXX - XXXX in the town of XXXX Pennsylvania. The judge ruled that the plaintiff XXXX XXXX  XXXX XXXX. did not bear the burden of proof to prove that the account was XXXX XXXX XXXX or that XXXX XXXX is legally responsible for the account thus the account must be removed under the judgment of the honorable XXXX XXXX XXXX from the credit report for fair credit reporting act violations and/or identity theft due to them not prevailing in or proving in court that XXXX XXXX owns the account Judge XXXX invalidated the Debt by Judgment Attached on this Email. 

Sincerely, 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 2018-09-10
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:
On a recent review of my credit report, I discovered that the company XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. All 3 Credit Bureaus said the debt is verified and accurate but it is based on XXXX XXXX word without any physical evidence. They must produce the above or delete or entry from all 3 credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
XXXX filed complaints with Capital One, The Credit Bureaus and The Federal Trade Commission XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: Abra
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi, I have been using Abra XXXX, which is a cryptocurrency exchange mobile wallet https : XXXX From XX/XX/XXXX they will disable withdrawals of the XXXX token, these XXXX tokens were earnt on the platform through Yield, Swaps, Purchases or Referrals. 

They have also disabled swaps before this date on the platform. 

It's currently only possible to sell these tokens on another platform, which is currently in the process of also delisting XXXX 

Abra has also recently increased the withdrawal fees to XXXX which at the current price is {$18.00} after the price has collapsed significantly since the announcement. 

Then there is a XXXX withdrawal fee. 

So it's currently not possible to withdraw for lower balances. 

I'm also still owed rewards, the last email I have had from Abra is that they were to payout these rewards at XXXX which at the time of writing is significantly above the current market price and withdrawals/swaps will be frozen indefinitely as per there email. 

So between me and my wife we had over $ XXXX in XXXX now worth much less due to Abra 's poor management. Swaps have been disabled ever since we received the coins.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
If consumer closes an account and demands it to be removed or deleted from his credit report and there's no financial obligation left on that particular account, credit bureaus and credit card companies should be forced to remove account if its requested by the credit card holder. 
I closed two of my accounts : XXXX XXXX XXXX and XXXX XXXX XXXX, because of high interest rates and frivolous charges that were being applied monthly and yearly. Both of these credit card companies are still on my credit report and showing late fees that is most definitely affecting my credit and hindering my chances of securing a loan for my daughter 's education in the future. 
Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 one of 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX. Please remove this account immediately.

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 2023-07-21
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Requested to remove PMI from my mortgage as the housing values have gone up exponentially over the past 2 years. Paid for a XXXX  and the appraiser used comps that I do not agree with due to the year built of the properties which does not correlate to newer builds. I disputed this with comps that were provided and it was denied due to homes not being as near as the XXXX comps but are more clearly similar due to year built.

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 2022-12-29
Company: EQUIFAX, INC.
State: NY
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:
I sent a letter to the credit bureau asking for them to validate the debt, they've sent a letter back stating the incorrect disputed ; collections account is correct there on their end. 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. 

They know that the debt is inaccurate at the time of my dispute and of them continuing to report whats now known to be inaccurate multiple times, but refuse to remove disputed account not validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: OPTUM BANK, INC.
State: NM
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023, I instructed Optum Bank to close my HSA account. The balance at that time was {$0.00}. I requested written confirmation of account closure to be sent via USPS first-class mail within one week ( no later than XX/XX/2023 ). It has now been three weeks since I instructed Optum Bank to close my account, and I have yet to receive any written confirmation from them. 

This is unacceptable, and is yet another example of Optum Bank  's poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
iaccordance with the Fair Credit Reporting act 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 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 2018-04-30
Company: CITIBANK, N.A.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THD/CBNA Home Depot ACCOUNT XXXX FROM CREDIT REPORT XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX, SD XXXX On or about XX/XX/XXXX I was going through my Credit card accounts and noticed that Home Depot said I was late with my payments. At the time there was a balance around {$10.00} or so. I thought I had paid the entire card off but to my mistake I did not. I asked them why they did not contact me and they said they did. I asked them how they contacted me and they said it was an automated system. I asked them after the automated system came back and said there was no contact what did you do? The credit card representative said that two more Robo calls when out telling me to pay my bill. I asked them what kind of system do you have in place if the first call was not successfully made and they answered none. At that time I was very mad at them and I paid the account off with the operator I was speaking with and immediately closed the account. But their explanation on the XXXX  credit report that I just received on XX/XX/XXXX says that the credit card company close the account when in fact I'm the that requested it be closed. I closed the account because of their stupidity and there collection practices. I asked them to remove the delinquent notices from my credit report and they said they would look into it based upon the issues with the Robo call system they have. But as of this date they have made no effort to remove those late charges from my account. Actually the only way that I learned about this was when I was looking at a car for sale at a dealership and they said that they got a negative report back about late payments, that's when I went home to research this and found the Home Depot issue. It was my mistake for thinking I had paid off without checking but I'm sure I had. Home Depot never called or emailed me to tell me that I still owed them money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: Global Lending Services LLC
State: IL
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 dont recognize the accounts in question. o The report shows I owed money to the company that I have already repaid. [ XXXX  loans were being reported as late and it was not listed on my credit file so how can they report on me ] o The status of my account is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The subject debt was incurred on XX/XX/XXXX for a XXXX Handbag. The charge was {$2400.00} for the bag, {$20.00} for a delivery fee and California Sales tax of {$210.00}. 

I was not in XXXX XXXX on the date that the charge was incurred and have not been in California at all for quite some time. 


I did open a credit card at a XXXX XXXX XXXX Store in XXXX XXXX in XX/XX/XXXX. That is the account on which this charge was incurred. It is the only charge on the account. The card was issued through XXXX XXXX XXXX. In XX/XX/XXXX I moved from the address of record for the card. I never received any of the bills. None were forwarded to my new address. 

I discovered the debt when I did a credit check in in early XX/XX/XXXX. The debt was listed on my credit report as open & unpaid. The Original Creditor, XXXX XXXX XXXX is no longer attempting to collect the debt. The current creditor, XXXX XXXX XXXX XXXX XXXX. XXXX, is. The current debt is {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Adverse Action and defamation of character Jefferson Capital System I, the consumer and natural person, was a victim of identity theft, XXXX XXXXXXXX XXXX discharge the debt 1099C and then sold the debt to Jefferson Capital System. Adverse Action against consumer is against the law according to the equal credit opportunity Act which is codified in 15 U.S.C. 1691c and pursuant to civil Liability under U.S.C. 15 1692k you are subject to criminally liability for violating 15 U.S.C. 1691c as I have been discriminated and defamation of character by XXXX XXXX XXXX and Jefferson Capital System in response I received from XXXX XXXX XXXX and Jefferson Capital System were discharge of debt XXXX XXXX XXXX XXXX and Jefferson Capital system is in violation of the 15 U.S.C. 1642 U.S.C.1681m and CFR 1002 the parties XXXX XXXX XXXX and Jefferson Capital system isusse application without my knowledge and both parties also discharged debts and but that credit was not issued to me Futuremore because my social security number ( credit card was used and I received no benefits but defamation of character and inaccurate reported and harassed and garnished my pay check. This is proof of fraudulent activity ( anathourtized use of credit card on behalf of XXXX XXXX XXXX and Jefferson Capital system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: United Revenue Corporation
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:
I was advised by XXXX on XX/XX/23 that there are addresses and a name that is considered valid per a debt collector United Revenue Corp . The company United Revenue Corp is unwilling to provide supporting documents, reflecting this information is valid. The representative i briefly spoke with on XX/XX/23 advised XX/XX/XXXX XXXX XXXX XXXX XXXX of XXXX XXXX provided this information she does not know where they got the information from or if documents were provided reflecting the name & address they are reporting to United Revenue Corp . This company has provided the incorrect name/ addressed in regards to collecting a debt to all three credit bureaus. I have a lease and ID, showing my physical address that is where i reside now. I have not lived, or used the address reflecting on my credit. This information is not valid and will need to be removed from my credit report. I filed disputes and was advised it can not be removed as a creditor has provided the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. On XX/XX/XXXX I purchased a XXXXXXXX XXXX XXXX from XXXX XXXX  ( order number XXXX ), which I financed via XXXX XXXX by Affirm for {$490.00} XXXX. On XX/XX/XXXX, I received a confirmation email form Affirm/XXXX XXXX stating the following AutoPay Schedule with my XXXX XXXX : XX/XX/XXXX {$120.00} ; XX/XX/XXXX {$120.00} ; XX/XX/XXXX {$120.00} ; XX/XX/XXXX {$120.00} ( Affirm/XXXX XXXX Loan # XXXX ) XXXX. On XX/XX/XXXX my order was delivered and a few weeks later I started using the product XXXX. On XX/XX/XXXX I received confirmation from AffirmXXXX XXXX that, pursuant to my payment schedule, my final payment was successful and I had paid off my purchase in full XXXX. On XX/XX/XXXX I emailed the merchant to let them know that the device was not working correctly and requested a refund XXXX. On XX/XX/XXXX the merchant, despite the malfunctioning equipment, advised : " Unfortunately, your XXXX trial period expired on XX/XX/XXXX ( The device was delivered to you on XX/XX/XXXX ) and thus according to our policies, your product is not eligible for a return. '' 7. The matter was successfully disputed with XXXX in my favor XXXX. I received two emails from AffirmXXXX XXXX in XXXX stating my loan payments could not be successfully charged -- both of which I replied to, advising the state of the product, the attempted return, and the XXXX dispute resolution in may favor. No response was received. 
XXXX. On XX/XX/XXXX I received an email from AffirmXXXX XXXX advising : " Your loan XXXX has been charged off because you've had an overdue balance for XXXX or more days. '' XXXX. On XX/XX/XXXX I received an email form XXXX a debt collector, attempting to collect this invalid debt that I allegedly still owe to Affirm As the product is defective and the billing dispute was resolved in my favor by my bank, both the actions of Affirm and XXXX  are patently illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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:
This is my Follow-up 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 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 : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX XXXX XX/XX/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 2022-06-17
Company: Duvera Billing 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:
Duvera is reporting to XXXX, XXXX and XXXX that I owe them {$3000.00}. Im not sure how they got to these calculations because I never did business with them. I been disputing this account since 2021 and haven't gotten any response from them besides an attempt to collect on the alleged debt. They had 30 days to complete the reinvestigation, yet they have failed to respond. Its been 6 months any further delays are inexcusable. I have been more than patient with this company. It is unfair and its like I have no rights over my report. Please remove this account from my credit report. They have not provided me any facts that I owe them money. They need to successfully discard the debt or seek a different type of remedy besides ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Late payments have been placed on my account. When it shouldnt have after a total loss in XX/XX/XXXX. I did a payment arrangement for {$100.00} a month. I guess the system was still doing {$320.00} a month. So therefore late payments was added to my credit report and it also took my score down. I called to talk to them about it but they refuse to take the late payment Off. Also I have seen the balance go up and down on this account also I also tried to bring that to their attention. The dates of the late payments on his account is XX/XX/XXXX XX/XX/XXXX and XXXX and XX/XX/XXXX. Im not sure if they have any other late payments because they have not updated the account since it looks like. This has also stopped me from getting in new vehicle after I had another total loss. XX/XX/XXXX the amount change from XXXX to XXXX and my score dropped.

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