BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$890.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$380.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$1800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$160.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$160.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$240.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX  XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$950.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2019-06-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting phone calls all hour of the day and night from portfolio recovery. When I answer and say hello. No one is there. When you call the number back, It goes to no where. They keep calling from hundreds of different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: Incomm Holdings Inc.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Purchased a Secure Spend prepaid XXXX gc for my son to use on a field trip. 

Card was repeatedly declined despite verifying after purchase it had funds of {$100.00}. 

After multiple unsuccessful calls to their customer service number and 45 minutes on hold was told the card has XXXX left due to transactions for online purchases at XXXX XXXX  originating XXXX  miles away. Told them I did not authorize those transactions. Was given a case number and told to email copy of card front and back, receipt, proof of legal address, phone and email. 

Since this began I have been inundated with spam texts to my cell phone and have not received any resolution. 

This card should not be for sale since I have read hundreds of similar complaints. Can't understand why it has not been shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
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 was result of identity theft

Complaint:
I have been repeatedly contacted by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX attempting to collect a fraudulent debt that has already been reported as identity theft to the FTC and the original creditor and removed from my credit report. I have informed representatives of these companies that the account has been reported and confirmed by the original creditor as fraudulent and demanded they cease and desist contacting me and despite this they have persisted in harassing me by mail, telephone, and e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
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 was result of identity theft

Complaint:
I have been repeatedly contacted by XXXX XXXX XXXX, XXXX XXXX XXXX, Resurgent Capital Services, and PYOD Inc. attempting to collect a fraudulent debt that has already been reported as identity theft to the FTC and the original creditor and removed from my credit report. I have informed representatives of these companies that the account has been reported and confirmed by the original creditor as fraudulent and demanded they cease and desist contacting me and despite this they have persisted in harassing me by mail, telephone, and e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
American Express offered me in XXXX of 2022 to add XXXX employees to my hilton honors business card ending in XXXX. For each employee that spent {$1000.00} they would get a {$50.00} credit. On my XXXX statement XXXX employees made that goal. I was only given XXXX {$50.00} credits. The other made the goal in XXXX. I inquired that XXXX, oh you need to wait was the answer, I finally opened an investigation in XXXX. No word from American Express. Being upset with American Express I called to see what was up, they know nothing, so instead of American express charging me a fee again, I cancelled the card in haste. Well now, since it has not been a year since I got employee cards, American express is not doing anything that they should have done back in XXXX. So I am asking American express to either reopen my card and do what they should have done in XXXX or go ahead an issue the {$50.00} credits that should have been given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: ENOVA INTERNATIONAL, 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:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Netspend Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020, I logged into my Brinks Money prepaid account and found that I have been charged a " Signature Purchase Transaction Fee '' of {$1.00} each time I had a recurring charge posted to my account since XX/XX/2020 which totaled {$110.00} in fees. I have the " Pay as you go '' plan which means you are charged that fee for every " Signature purchase '' ( which is a purchase that is signed for ) or a PIN purchase ( a purchase that a PIN has been entered ). According to Brink 's terms, my purchases were neither signed for nor a PIN was used. 

In an effort to resolve this issue, I called Brink 's and explained the aforementioned, however, the agent insisted that the charges were " considered '' signature purchases ( even though I explained multiple times that there was no signature used for the purchases ), they were recurring purchases.

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 2023-09-06
Company: Resurgent Capital Services L.P.
State: TX
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:
These debt collector 's Pyold LLC and resurgent receivable LLC, have violated my rights. They have reported this alleged debt to my consumer report after i received the second letter in XX/XX/2022. I have put them 2 times on notice that this debt wasnt mine. They willfully and knowingly report false misleading information. 
It is a furnishers responsibility to report accurate information about a consumer. It is prohibited by law to report inaccurate information to the consumer reporting agencies about a consumer after receiving a notice that the information is wrong. Violation. 

You should know Im building my case if you fail to delete this debt.

These debt collectors have harm my family Defamation of character Negligent non compliance Civil liability XXXX  anguish Enclosed I have put proof of my letter to the debt collectors Tracking number and Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All accounts above 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.

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 2023-09-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX of XXXX, Best Buy was offering a 24-month no-interest promo however this was during the pandemic. They claim that they didn't have adequate staff to fix the contract to reflect what the current promotion offed. Best Buy never cleared this up with Citi Bank. Citi is the issuer of the credit card. Two weeks after receiving the order I stressed to the BBuy rep about the contract that needed to be updated I was reassured that Citi was aware of the the issue. Trusted that they would rectify the matter. I ended up going paperless and automatic billing as I navigated my way through life in fear of a Pandemic. Citi never rectified the contract in the meantime Citi went with the 18 mo promotion and not the 24 mos as promised. This is a predatory practice I'm sure they take advantage of senior citizens who can not protect themself. On XXXX XXXX XXXX, I called Citi and they advised me that It was too late for them to do anything about it I should have called six months early. This is a case in which the two companies do not communicate with each other on behalf of the consumer. Each company says it is the other fault.

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 2022-05-13
Company: CAVALRY INVESTMENTS, LLC
State: VA
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:
Balance {$1300.00} Highest Balance {$1200.00} Reported : XXXX. XXXX, XXXX  Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX Closed No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: MI
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 sent information to Experian, disputing an erroneous claim by a collection agency representing XXXX for an alleged unpaid bill. I sent to Experian extensive documentation of my cancellation of the account, the reasons/proof behind the cancellation, and my extensive follow-up after I became aware of an issue. Its " investigation '' was apparently to confirm with the collection agency that the debt was valid. They have no proof or documentation that I did not cancel or agreed to continued insurance beyond the date for which I had paid. So, this was not a real investigation. Also, the collection agency has no judgment or other proof : they are just reporting false information ( submitted under another complaint. ) I requested a property insurance policy through XXXX  in XX/XX/2019, as a requirement for a HELOC application. I signed up for auto payment. I enrolled in the plan through the phone and internet. All of my documents, signature pages and payments were electronic. 

In XX/XX/2019, a title issue with the property blocked the HELOC from moving forward ; I had been approved, but could not get funded as a result. I therefore notified XXXX  in writing that I was cancelling the policy, since I had only added it to comply with the loan requirement. No auto payment was taken thereafter and I received no correspondence on the matter, so I had every reason to assume the policy had been cancelled as directed. 

In fall 2019, I became aware of a derogatory credit entry. It stemmed from XXXX 's claim that I owed 2 months premium for the policy which it did not cancel until XX/XX/2019. I contacted them immediately and described my cancellation. I was given several false answers and information, stating that XXXX did not accept written cancellation ( it's the law ), that it never received mine, that there were other reasons my auto payments had been stopped and also that all correspondence had been sent to the property address by mail, even though my account was completely e-notice AND it was an investment property occupied by tenants. XXXX also did not offer a landlord policy. When I provided all of my documentation, they stated that they would only " backdate '' my cancellation if I could show proof of another policy, which is completely irrelevant. The property remains uninsured and wasn't insured prior to the policy with XXXX, so that is a completely made-up requirement. 

The insurance company is XXXX and the collection agency is 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 2019-08-06
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Experian Information Solutions 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 an Experian Member ID XXXX - On XX/XX/18 I obtained by Experian credit report and after reviewing it I noticed that I have 2 negative accounts that I do not recognize and 5 inaccurate reported accounts reporting to my credit report. One is from XXXX XXXX and the other is XXXX of which i have no clue why it is reporting on my credit report. I have never done any business with these account people listed. I have disputed this before and it is clearly not being handled with critical discernment and it is very disheartening. I am including credit report and other supporting docs for immediate assistance. 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
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-05
Company: Data and Contact Management Solutions, LLC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
DCM Services has been harassing me and my family to try to collect on my deceased father 's alleged medical or credit card debt. They refuse to give any information regarding the alleged debt, which leads us to think they are trying to scam us. My dad did not have any estate or collateral at the time of his death. I have called DCM services, notified over the phone, etc. of this fact, and they still insist on trying to get personal information about my family by calling my siblings, relatives, etc. They have been sending me and my family letters, calling at inconvenient times ( like at XXXX  or XXXX ), calling my relatives as well at inconvenient times, threatened other family members of arrest if they do not pay or give the name of the executor ( which there is none as there was no estate ), etc. I have told DCM Services to stop calling, sending letters, etc and they still insist on harassing us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: JPMORGAN CHASE & CO.
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: Reporting company used your report improperly

Complaint:
I receive my XXXX XXXX Report on and notice there were banks that I don't have on there. These Banks that's on there are hurting me from getting approved for my business account. I already reached out to XXXX XXXX  about this multiple times they keep violating my rights under the 15 USC 1681B. I also attach a copy of my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, has violated all 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 non-monetary relief