BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: SC
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:
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have paperless billing and have always logged in online and paid my monthly balance due. On XX/XX/2020 I signed into my online account and paid my balance in full, {$3100.00}. Today, XX/XX/XXXX, I receive an email notifying me I have a payment due and a balance of {$850.00}. After my payment it appears that they charged the following : they back dated the following : XX/XX/2020 {$730.00} Finance Charge ; XX/XX/2020 {$730.00} Promo Finance Charge Adj ; XX/XX/2020 {$1200.00} Promotional to Revolving. I have always paid my payments by the online paperless billing. Unaware that I was going to be charged the thousands of dollars interest for a promotional plan I opted for 18 months ago. Since I chose paperless billing I never received any type of notification that the promotion was going to expire or when. I did not look at my statements online, I just paid my monthly payment. I have borrowed money to pay all my credit card debt and when I logged into my account on XX/XX/2020 I paid the balance in full, now, 4 days later I owe {$850.00}, how is that possible? I have been charged almost as much interest as what I owed on the account, I dont understand this at all and when I called the company they just patronized me explaining this is a banking, binding contract. I was never notified by any electronic means that the promotion was expiring on XX/XX/2020 and most importantly they did not charge me until after I paid my balance in full. This is not right that they did this without any notification. If they allow customers to accept paperless billing then they should send out notifications of like kind that promotional billing is going to expire. I had another credit card that would flag me when I made my payment that I had a promotion that was going to expire, so I knew I had to do something. In addition, they gave me 30 days from the date the promotion was going to expire to pay the promotional balance, and they did. I am very frustrated and believe this is wrong, I should have been sent notifications and I was not ; when I paid the balance in full the charge should have been on the account, not after the balance was paid. I paid 100 % what was owed on the account on XX/XX/2020, I should not owe anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Experian Information Solutions Inc.
State: OH
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 have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, I do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleaSe delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, XXXX, Experian reports. This is my second request under FCRA Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies.

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 2023-03-14
Company: EQUIFAX, INC.
State: MD
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX : - XXXXXXXX XXXX XXXXXXXX Balance : -, XXXX XXXXXXXX Balance : -, XXXX XXXXXXXX XXXX Balance : {$1300.00}, XXXX XXXX Balance : XXXX, XXXX XXXX XXXXXXXX XXXX : {$0.00}XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX Inquired on XXXX XXXX, 2021, XXXX XXXX XXXX Inquired on XXXX XXXX, 2021, XXXX XXXX XXXX Inquired on XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: MI
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:
FRAUD INQUIRES XXXX XXXX EXPERIAN 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 2021-05-04
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The simplest way to describe what happened is to upload the letters we sent to Key bank describing our frustration and dissatisfaction. Their XXXX client relations executive ( XXXX XXXX. - he wouldn't give us his last name ), sent us the attached letter saying our accounts ( 5 of them XXXX would be closed on XX/XX/XXXX ( just 6 business days from now XXXX. His failure to deescalate the situation will result in our having to switch to a new bank and has no regard for our vendors and more importantly our XXXX employees who will have issues with their checks. 
Are Federally chartered banks able to disrupt commerce this way? 
Because our accounts were compromised in XXXX, at the banks request, we were told to open new accounts for which we spent {$1000.00} on new checks etc. Now they want to close the accounts - I want that money from them!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Resurgent Capital Services L.P.
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: Old information reappears or never goes away

Complaint:
I spoke to a customer service representative on XX/XX/XXXX to try to resolve this issue. I was told they dont know why this account is still reporting as late because it has been paid and to call back in 48 hours while they investigate. In the mean time I can file a dispute. This company has charged off my account in XX/XX/XXXX and when this account was charged off it has been paid with the collection agency however, this company is still reporting my account monthly as 180 days past due. This account has a XXXX  balance as of XX/XX/XXXX. On XX/XX/XXXX I was told by XXXX XXXX to contact XXXX regarding this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was a victim of identity theft and I have no acknowledgement of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed 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 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
These accounts were created in my name Fraudulently.

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 2023-06-06
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:
Recently, I discovered an unauthorized late payment from your business on my credit record. Transactions like payments are not meant to appear on a consumer credit report, according to the FCRA. I'm aware that there was a billing mistake, but I just want it to be fixed.

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 2022-03-17
Company: BARCLAYS BANK DELAWARE
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:
I contacted Barclays in XX/XX/2021 when I noticed a small balance on my card that I paid off in full XX/XX/2021. Apparently my card was linked to my soon be ex husbands XXXX account & it was being used as a default payment. I contacted XXXX they were refunding all charges because fraudulent use. Barclays was called & told about this. The problem was that the interest & late fees were making the situation worse. I filed report with XXXX & we called Barclays which we were transferred to 5 different people with no resolution. I felt that my complaint would be easy & everything go away. Barclays continued to report late payments for multiple months & then closed my account. I received a letter from them saying that when they looked that I was responsible for the debit of interest & late fees combining. It is a disgrace that the credit bureaus calling cant get things taken care of. Please let me know if you need anything else from me & I hood you can get this resolved so it will stop negatively impacting my credit.

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 2021-05-04
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries I have no clue of are : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX- XX/XX/XXXX XXXX  XXXX, XXXX I already reached out to each to company and all they told me was to contact the credit bureaus to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Rent recovery collection agency through skip tracing placed a XXXX collection account on my XXXX credit report XX/XX/2022. There is no personal documentation tying me to the debt, but my name. When I called to address the collection account, I was told the social security number didn't match, my cell phone number didn't match and there were other things as well. I advised the representative that I was a victim of identity theft and if no personal items didn't match upfront why would the account be placed on my report without verification. The rep didn't have an answer and just advised me to send in a FTC report as well as my driver 's license. I advised the company that being a victim of identity theft has already caused me problems. I'm in the middle of buying a home. Adding an account that was opened with a CPN and the collection agency didn't verify the validity of the debt, but only added it because they did a skip trace matching my name is stupid beyond belief. Why wasn't the collection added to the credit report using the CPN that was used to obtain the fraudulent account to obtain an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MY identity has been stolen a police report was filed and the information has been mailed to the credit card companies on this report. As of today they remain on my credit report. 

This accounts are not mines are are the product of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX has continued to report an account which I previously held with them as a derogatory account to the various consumer credit reporting companies. I have disputed the status of the account with the Credit Reporting Agencies, as well as directly with XXXX without success. XXXX contends and reports that the account was included in a bankruptcy filing, thus reporting the account as a negative or derogatory mark/tradeline on my consumer credit reports, however this is in fact, untrue. The account that I held with XXXX was in good standing and maintained a zero balance from the date that it was opened until the date it was closed by the creditor. The account was not discharged or even included in the Chapter XXXX Bankruptcy I filed as there was never any debt to discharge. As I have previously disputed this account with the Credit Reporting Agencies, some of them have deemed any further disputes erroneously as frivolous due to XXXX 's insistence that they are accurately reporting, therefore precluding me from any further disputes of that information. The account was closed by XXXX unilaterally and should be reported solely as closed by grantor, without any negative remarks or connotations that cause it to be classified as a derogatory account which can negatively impact my credit score. 

This account is specifically reported on my TransUnion and XXXX  reports. 

XXXX shows it inaccurately as included in Bankruptcy ( negative ) last updated in 2014. Even after a dispute with both the CRA and the creditor, even though they report it as never having a balance.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Dear, XXXX XXXX XXXX I agree to pay the following financial obligation regarding account number XXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. Verification of your claim against XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both XXXX XXXX XXXX AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 

A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. XXXX XXXX XXXX is to also provide the identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The CUSIP number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.

Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX XXXX XXXX XXXX  XXXX Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved

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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Through XXXX XXXX, Transunion shows that I have an auto loan from XXXX XXXX XXXX in collections with a XXXX XXXX XXXX  XXXX. You can see on my XXXX that this account is closed. Transunion refuses to remove the collection from my report. XXXX XXXX is clearly a scam based on a simple XXXX  search.

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 2023-06-06
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have previously filed a complaint last XX/XX/2023 and it was closed because the company ( Pangea ) responded saying that " the funds were never retrieved from my bank account '' and that I should reach out to my bank. Furthermore, they said that in their response that I " agreed and has not reached out to the Pangea Customer Service team since ''.

I haven't reached out to Pangea because I went to my bank and filed for a dispute regarding the funds that was never returned to my account. I took the bank nearly 2 weeks to give me an answer. And finally on XX/XX/2023 I received the bank 's investigation of my filed dispute. Upon their investigation they found out that there was " no error occurred and that the transaction was valid '' and that my money was paid to Pangea as can be seen in my bank statement. I have attached the bank 's investigation report and my bank statement for reference. 
With this, I called Pangea Customer Service to inform them of the bank 's investigation report. The agent insisted that they never took the money from my account but I reiterated the bank 's report. I asked to talk to someone higher to give a valid answer but the agent said she will escalate the issue to someone. 
XX/XX/2023 I received an email from XXXX ( Pangea Money Transfer ) requesting me to send my entire bank statement for the month of XXXX. 
XX/XX/2023 I sent my bank statement to her at help@pangea.XXXX but I never received a reply. 
XX/XX/2023 I sent my bank statement again at help@pangeaXXXX and to support@pangea.XXXX  I never got a reply. 
XX/XX/2023 I sent another email to follow up my concern but I never received a single reply from them until this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
State: DE
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:
Fraud Inquiries not authorized from these listed companies on my Experian Report are XXXX   XXXX XXXX and XXXX XXXX  XXXX  XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX  XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX   XXXX  XXXX and XXXX XXXX XXXX XXXX all these need to removed from credit file

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