BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: Sulphur Bank Rancheria Enterprises
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This debt collector, XXXX XXXX, repeatedly called me today for more than 9 times, threatening to file a criminal lawsuit if I dont XXXX the whole amount of debt, {$1100.00}. He threatens to call the police and sheriff to arrest me and be put to jail. I told him I dont have the money to pay him the whole amount, I was trying to make payment arrangements of {$100.00} a month but will not accept it. I have called just answer, talked to a criminal lawyer named XXXX XXXX XXXX, and he told me that this persons tactic is illegal. He told me to file a complaint with CFPB, and if this person pursue to take legal action, I can counter sue him later on. I was also told that this could be a scam. XXXX XXXX works for XXXX XXXX, it says a proud member of XXXX XXXX XXXX, no address given. XXXX XXXX telephone # is XXXX. He also texts me that I have to make sure that I will have a criminal attorney within the hour of his text at XXXX XXXX today, another XXXX at XXXX XXXX that if I think by ignoring his calls will help me, at XXXX XXXX  another text, asking for my lawyers information, and by blocking him will not save me from warrants.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: NV
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:
All three credit bureaus are reporting different date of last activity on three inaccurate accounts reporting on my credit report. The account for XXXX acct # XXXX, XXXX XXXX acct # XXXX, and account XXXX acct # XXXX, are all reporting different DOLA dates. The keep coming back saying it's accurate. How can it be accurate when everyone is showing a different DOLA date for each reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called Resurgent Capital to pay a debt XXXX. I paid the debt associated with XXXX  XXXX XXXX  ( XXXX ). Then I get a letter in the mail saying I owe XXXX. Threatening to sue me and they want a transfer from XXXX from my checking. I am on XXXX  SSDi ive never have a credit debt half that large. I am low income and Im afraid what there gon na do. This is Fraud the name of the debt collector is RESURGENT CAPITAL SERVICES L.P. XXXX XXXX XXXX XXXX SC XXXX phone XXXX They forged a document a d made up a lie amd they are threatening to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I am holding XXXX XXXX with XXXX Miles and More Program. As part of Barclay 's Miles & More Mastercard Benefits ( please see attached screenshot from the Barclay 's ), I am entitled to get Annual Fee Waiver.

I have contacted Barclay 's customer support team over their secure message and phone. None of the representative were able to assist me on this issue. They asked me to contact XXXX which does not have anything to do with Barclay 's annual fee at all. 

Last representative that I talked on XX/XX/2023, called XXXX Miles & More to verify my Senator status. Although the XXXX agent was able to confirm my status, they further asked my XXXX XXXX copy via FAX, yes in XXXX they still want me to FAX a document. 

I sent out 3 faxes under the case number XXXX, and still not yet received any communication or update on my account.

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 2023-06-03
Company: Bread Financial Holdings, Inc.
State: PA
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:
CXXXX XXXX XXXX XXXX XXXX WRITTEN OFF : XXXX. XXXX XXXX : XXXX Last payment : XX/XX/XXXX Was a XXXX credit card from XXXX. 
Numerous attempts for them to validate through XXXX. Commenity nor XXXX provided me with any documentation as to why it is not being removed. Has been written off as loss and sold to another debt collector in XXXX. I never received documentation for it to be taxable income in XXXX due to the write off. They have written it off and sold it. Did not provide date of last delinquency when asked as it will show that it is over statute of limitations for reporting and can not be validated. 
Inaccuracies in payment history with all three bureaus, original account limit was not XXXX that is false. Both the credit bureaus and community capital are in violation of accurate reporting guidelines. COMENITY XXXX was contacted and could not find original account. Credit bureaus do not provide a phone number for comenity capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: OH
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, 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 2021-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
There is an old outdated account that is past the statute and unverifiable and still remains on my credit file. I have disputed this several times with nothing back. 

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 2020-11-27
Company: ResidentCollect, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection with Innovative Recovery ( Account number XXXX ) in the amount of {$930.00} for XXXX XXXX XXXX. I provided the proper notice at the end of my lease and had the apartment professionally cleaned. 

Since XX/XX/XXXX, I have been trying to get Innovative to provide a breakdown of what XXXX claims I owe. They have not provided it. The FCRA provides that a consumer may contact the data provider about a dispute ... that data provider must adhere to the same 30 day time frame for responding or delete the item that the bureaus must adhere to. ( Section 623 FCRA ).

I demand that this item be removed from my file due to a clear violation of Innovative with regard to following the FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 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 2021-08-25
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
During the time I lived in the property my family began to wake up with bites on them first the children then I and my husband. I went to the office to notify them and there were other tenants there making the same complaints bed bugs I immediately asked that they exterminate. They informed me I would be billed for the extermination because the exterminator knew this was an ongoing issue he exterminated for free I informed the office manager I would like to move immediately I went into a month to month lease to ensure I properly moved out within 30 days. They were aware I was moving in 30 days this is why I did not sign a new yearly lease but went to a month to month lease in order to properly vacate the premises after 30days. I contacted them about my deposit I got into a dispute with the manager and she informed me she will be sending a bill and also acted as if she had no idea I was moving although she knew about the move out as well as the bed bud infestation the complex was battling she then killed us for things that I know weren't true we did not wear shoes in my home there is no way the carpet needing cleaning we threw all of our belongings away so to the infestation of bed bugs. I could not take a chance on having my 10 mos old baby be bitten by bed bugs. I was also living in the apartment for over a month with no keys I informed them in XXXX that my keys were lost and was never cut new keys and was expected to return them at the time I moved I was going to work with my door unlocked. The month to month addendum was our written notice to vacate we asked what was needed in order to do so and singned the new lease in order to vacate within 30days after contacting the office the debt that was owed increased please see attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: GA
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 talked to Equifax today, they said I could not dispute my hard inquiries. They advised me to speak with the lenders. I would like to dispute my unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/21 my XXXX XXXX was hacked and XXXX ETH XXXX current XXXX value of {$100000.00} XXXX was transferred out of my account with no authorization on my behalf. I contacted XXXX and was not able to get a live representative. When I let them know their platform was hacked and my money was stolen they sent a very generic e-mail and then a follow up e-mail that the account was " resolved '' and " closed ''. 

They advertise their wallet as a " secure '' place to store money yet it was easily hacked and my life savings gone. As a result, I am in immense financial and emotional distress. XXXX has done nothing to help. Avoid this company at all cost. They settled in the past for a money laundering case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-01-10
Company: Experian Information Solutions 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:
Experian has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with two forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet XXXX XXXX standards. 

I can tell that a proper investigation has not been conducted by Experian. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.

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 2023-09-11
Company: DISCOVER BANK
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:
15USC 1681 a ( d ) ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX and XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: WA
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 Account # XXXX XXXX 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 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 2017-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Account was paid off an closed early in the year. Now it shows that the account is past due with more then 9 different strikes on all my credit reports. All postings of negative information was after the closing and final payment of the account. The entire year of 2017 was impacted.

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 2023-09-18
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX send me to a collection agency Sunrise Credit Services, I talk to them I explain what happen. XXXX send me a Scan to return the phone I have the slip to probe they received the phone, but they still send me a bill for {$800.00} and I know the phone is already in use for another costumer.

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 2022-07-11
Company: MOHELA
State: TX
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:
MOHELA DEPARTMENT OF EDUCATION XXXX XXXX {$3500.00} XXXX XXXX {$6000.00} I DO NOT REMEMBER SIGNING A CONTRACT WITH MOHELA DEP OF EDUCATION THE COMPANY IS REPORTING INACCURATE AND INCORRECT INFORMATION XXXX HOLDER IN DUE COURSE YOU ARE PROHIBITED BY LAW FROM PROVIDING FALSE INFORMATION. ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES SHALL BE FINED UNDER TITLE 18.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: GA
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. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation