BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing this complaint to dispute the information on my credit report related to an alleged debt with your company. Your records indicate that I legally owe you money, and I am willing to address this matter under the condition that you provide the following documentation for the purpose of debt validation : 1. Validation of the debt, including the actual accounting ; 2. Validation of a signed invoice ; and 3. A copy of the contract binding both parties, namely myself and your company. I request that you provide the requested information in a letter sent by certified mail to ensure there is an independent witness to its delivery. I must emphasize that, as a victim, I am perplexed as to why the CRA is not complying with the law in this matter. I have raised concerns and disputes, and it appears that my requests are being ignored. I expect that your bureau conducts a thorough investigation into this issue. This account needs to be removed : XXXX XXXXXXXX XXXX XXXXXXXX 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 2020-10-01
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
LVNV FUNDING LLC Opened XX/XX/2019 Original Creditor Name : XXXX XXXX  XXXX XXXX  XXXX XXXX  Balance : {$3900.00} Requested affidavit in XXXX but did not receive. Received an affidavit in XX/XX/2019, submitted notarized. Followed up to notify that affidavit was mailed. 

Called to follow up, told it was handled by a different company and they would not know the outcome but it would be within 30 days. 

Called a few days ago, confirmed that the information provided previously was not accurate, they never did receive affidavit and threaten to report me to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XXXX XXXX, XXXX, I identified the fraud and unauthorized Capital One credit card account under my name in my credit report. The next day, I reported it as Identify Theft to local law enforcement, then started to contact Capital One and report this account as a result of Identity Theft. 

This issues has not been solved after several rounds of phone conversation and mails, including one complaint filed in XX/XX/XXXX in CFPB. Fortunately, in response to my complaint to CFPB, on XX/XX/XXXX, Capital One provided two pieces of feedbacks ( please see the attached file ) to support their claim that there was no sign of fraud for this account : 1. The account has the correct address. 
2. There is a phone number associated with this account that was linked to me in public record. 

I believe Capital One should consider the following facts : 1. Although the account does have correct address, but my mailbox was standing on the roadside and has NO lock. Therefore, the correct address is not a barrier for a criminal, who purposely steal my identity for his/her own financial advantage, to get mails from Capital One sent by Capital One, such as the physical credit card, which I never got. 

2. The phone number associated with this account was also a result of Identify Theft. I never have that phone number, and never received any mail associated with this phone number. I reported this fraud phone number to Federal Trade Commission, in the form of an Identity Theft Report, in the section of personal information. 

In addition, after identified this fraud phone number ( with 2 other phone numbers and a wrong name that was not mine ) in my credit report with XXXX  in XXXX XXXX, I called the three credit agency, reported these incorrect information, and ask them to remove these false information from my credit report. 

After getting Capital One 's response on XX/XX/XXXX, I called the three credit agency, they confirmed me that the phone number mentioned in Capital One 's response is not associated with me. 

This fraud phone number, which is another result of Identity Theft, should not be considered as a piece of evidence against me. 

If Capital One identified other public record that link this phone number with me, please inform me so that I can report such fraud to the correspondent institute/company. 

As a victim of Identity Theft, and a consumer, I did what I could : I reported to FTC and local law enforcement, and reported the fraud account to Capital One, tried to solve the issue. Finding out who steal my identify is beyond my capability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to 15 USC 1681A ( 2 ) Exclusions, -Except as provided in paragraph ( 3 ), the TERM " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; These Accounts have violated my rights According to 15 USC 1681A : ( 1 ) .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LATE PAYMENTS, are considered transactions. 
Therefore, all late payments should not show on my consumer report.

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 2023-07-24
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, On XX/XX/19 I placed an add on the classified ads at XXXX wanting to buy a XXXX XXXX XXXX XXXX XXXX XXXX A person named XXXX XXXX responded, sent pictures and said he had a kit for sale. His email address is XXXX. He provided instructions for me to use paypal, but specified friends and family. I did not realize that this was not the same paypal I am used to that gives protection. 

Of course this was a scam and I never received the airplane. However, within 8 hours of sending the funds I opened a dispute with paypal. 

My belief is that Paypal should have a popup when you do friends and family that warns you will have no recourse if item fails to ship. I have yused PP many times and have actually used the protection when an item failed to ship. I did not realize that this was different. Their fine print specifies it, but only after I looked. 

I lost {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXXXXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX Balance XXXX Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
Portfolio Recovery Associates LLC is attempting to collect a debt that was discharged in Chapter XXXX bankruptcy XXXX XXXX XXXX. I called their office on XX/XX/2020 to alert them of the error. I also sent a certified mail on XXXX/XXXX/2020. As of today the information is still being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you well. I am writing to express my ongoing frustration and concern regarding repeated requests to remove a charge-off account from my credit report, which have gone unanswered. My name is XXXX XXXX, and I have always been committed to maintaining responsible financial practices. 

Upon reviewing my credit report from Credit Bureaus, I noticed that a charge-off account is still listed, even though I have submitted multiple requests for its removal with supporting documentation. I would like to outline the issues I have encountered : Charge-Off Account : The credit report contains a charge-off account that is no longer valid and should have been removed from my report long ago. I have taken the necessary steps to resolve and settle this account, and it should not be negatively impacting my credit any further. 

Ineffectual Response : I have submitted formal requests for the removal of this charge-off account to 3 Credit Bureaus on several occasions, accompanied by documentation demonstrating that the account has been settled or is in the process of being resolved. However, I have not received any confirmation that these requests have been addressed, and the account continues to negatively affect my credit score. 

I understand the critical importance of maintaining an accurate credit report, as it plays a pivotal role in determining my financial stability and access to credit. This erroneous listing of a charge-off account not only undermines my creditworthiness but also causes me significant distress and concern. 

I kindly request that Credit Bureaus take immediate action to investigate and permanently remove the charge-off account from my credit report. Specifically, I request the following : conduct a thorough review of the charge-off account in question, including the documentation I have submitted demonstrating its resolution, remove the charge-off account from my credit report to accurately reflect my current credit status, provide me with a revised and accurate credit report as soon as possible, reflecting the necessary corrections, I have attached copies of my credit report highlighting the charge-off account and all relevant documentation supporting my claims for your reference. 

I trust that Credit Bureaus will prioritize the resolution of this matter and take the necessary steps to rectify the inaccuracies promptly. Please keep me informed of the progress of your investigation and any actions taken to resolve these issues. Please assistr me to remove this charge off account XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$810.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: Navient Solutions, LLC.
State: OH
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:
After I disputed information to be removed from my account the credit bureau allowed navient to add the same account multiple times. I have 4 navient accounts but my credit report shows 16 navient accounts. I have called multiple times to get the information corrected by the credit bureau XXXX  but they have refused to help fix the problem. In fact every time I call for help another account appears. I thought the credit bureau was there to protect me. This information has kept me from being able secure funding for my childs education and a business loan to take care of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
The following Citibank Client Services checking account : XXXX is fraudulent, unauthorized and not my checking account. I never applied for a checking account online with Citibank.The checking account isnt my account and dont belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: WELLS FARGO & COMPANY
State: IL
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 account does not belong to me the social security number is not mine this a fraudulent account thats being reported to XXXX  under my name and different social fraudulently I have reached out to XXXX  as well as debtors both have not corrected this fraudulent information for account WF/XXXX  XXXX  that begins or ends with 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 2022-08-19
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance XXXX Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report shows 12 open acct with XXXX XXXX XXXX but all the accts are open as well with XXXX same 12 accts with same balance so it is reflecting on credit report as {$110000.00} when it should be half of that amount shows as duplicate just different name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: SYNCHRONY FINANCIAL
State: MN
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:
We are small business owners and we shop weekly at Sam 's Club. On XX/XX/XXXX, we were approached by a Sam 's Club employee at checkout who asked if we wanted to " save {$30.00} today '' and " earn 5 % cash back on all purchases. '' We were provided a flyer to review the Sam 's Club Business Mastercard benefits by the Sam 's Club employee. We agreed that we wanted to apply for the Sam 's Club Business MasterCard. Our application was processed on the spot and we were informed that we were approved for a $ XXXX credit limit. We state that the 5 % cashback would be helpful and the employee agreed. The Sam 's Club employee then processed our purchases made on XX/XX/XXXX to the card and applied a {$30.00} credit to our bill leaving a charge to the card of {$250.00}. The bill for this new card arrived a week later. The balance was {$300.00}. Upon review, we noted the bill from Synchrony Bank indicated we had a Sam 's Club Business Credit Card, not the Sam 's Club Business MasterCard that we requested. My wife immediately called Synchrony Bank on XX/XX/XXXX and spoke to agent in Ohio named XXXX, Operator # XXXX on XX/XX/XXXX. XXXX told her that we qualified only for the " business credit card, '' and not the " business mastercard. '' We were not told this at Sam 's. Wife told XXXX that the Sam 's Club employee had misrepresented this and asked operator to close the account and provided bank information to pay the bill ( {$300.00} ). Wife then contacted Sam 's Club to complain. The employee I spoke to said they see many angry customers daily who come to customer service to complain about this same issue. The employee was uncomfortable with this apparent bait and switch tactic. My wife also spoke to a manager at Sam 's Club who apologized but tried to excuse the misrepresentation that occurred. Manager said she too applied but did not qualify for the Sam 's Club Business MasterCard at first, but that if we waited about 6 months, Synchrony might invite us to get the Business MasterCard at that time. This is a betrayal of the trust we had in Sam 's and Synchrony Bank is complicit in this predatory and fraudulent activity.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: LA
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 recently requested all XXXX of my credit reports from XXXX, however, due to internet failure, phone drop, or whatever it was I couldn't get my XXXX report.Upon going over and comparing reports I found that alot of information is being reported illegally, inaccurate, and non-compliant with false information about me.The accounts in reference are as follows : Balance XXXX, Experian reports date opened XX/XX/XXXX, yet comes at the end and says it was opened XX/XX/XXXX, then it says last payment XX/XX/XXXX when on pay chart last payment was infact XXXX lacks critical information and reporting according to XXXX Metro 2 compliance regulations. Next account : Is valued {$600.00} which violates majorly when my information was obtained without consent and no lawful proof of debt, same with account owing {$290.00}, its listed as being for another company, then it says the account was opened XX/XX/XXXX, delinquency first reported XX/XX/XXXX, no lawful debt or original papers.Everytime I dispute something thru Experian it comes back verified without any type of explanation as to how, who did you talk to, did you validate original paperwork..nothing, just it's verified.This misfortune has cost me loans in time of need, housing, credit cards with good APR along with alot of other stuff.Under fair credit reporting at, section 611 ( 5 ) ( A ) I ask that all information that is inaccurate, incomplete, or which can not be verified be removed immediately..Thank you..

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