BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-06
Company: New Era Asset Management, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a call about a charge off and I requested written documents 4 times in the conversation and every time changed subject only wanted me to send my bank statement and pay XXXX. I wrote an email to the company requesting information with no response and today they pulled my credit file. They are calling my job my family and my friends

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
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:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( spoke with XXXX at XXXX ), I made contact via phone calls and written asking for proof of a signed contract by myself and them and if they would provide it, I'd gladly accept responsibility. 3 disputes were filed with XXXX, TRANSUNION, and XXXX. The disputes was resolved in the favor of the collection agencies, I found this out upon checking my profile, so XXXX I filed a 4th disputed with all the credit agencies asking for written verification proof and a signed contract between these reporting collection agencies or to remove these item from my credit file. 

I owe no debt to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never signed a contract with them, nor do I know who they are. In accordance with the FCRA. These companies along with TRANSUNION, XXXX, AND XXXX has violated my rights under 15 U.S.C. 1681 602 A. states I have the right to privacy. 15 U.S.C 1681. 604 A. Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( XXXX ) states a persons shall not furnish any information relating to a consumer to any consumer reporting agency if the persons know 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 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent transunion a letter regarding the negative items reporting on my credit report on XX/XX/2019 via certified mail and haven't heard anything back from them.i am asking the m to verify the items or delete it from my credit report within 30 days required by law

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 2023-10-28
Company: CITIBANK, N.A.
State: CA
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:
XXXX and XXXX supplied XXXX with the information and failed to properly investigate and resolve the consumer disputes about the credit reporting so I am disputing report number : XXXX. 

A XXXX XXXX ( Citigroup ) & XXXX XXXX were instructed to report a very old ( identity theft/scam ) closed and charged off account to XXXX and XXXX, using an invasive entity called XXXX XXXX XXXXXXXX XXXX ( another XXXX ) and it recently showed up on my credit report. This company likes to use various illegal tactics ( e.g. mail fraud XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX retail purchases or discriminatory practices ( e.g. XXXX, XXXX XXXX ) etc, to set you up and illegally collect data. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, known aXXXX XXXX  on XXXX ), XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX XXXX XXXX under XXXX XXXX XXXX and XXXX XXXX XXXX ; violated provisions of the Fair Debt Collection Practice Act and are part of a class action lawsuit pending in the U.S. District Court. My information was also posted publicly ( I am a victim of identity theft ) on a private investigator XXXX XXXX website called XXXX - part of the long list of illegal XXXX activities from this " XXXX '' and their affiliates. They also put an inquiry named XXXX on my credit report but did not provide an address or any other identifiable, source, information. I filed an inquiry with XXXX requesting more information on the XXXX inquiry however XXXX never responded with the contact information details. 

Citigroup Tops List of Banks Who Received Federal Aid - XXXX XXXX XXXX XXXXXXXX https : XXXX XXXX XXXX XXXXXXXX XXXX dollar government bailed out Citigroup and XXXX XXXXXXXX XXXX XXXXXXXX have a history of using RICO, deceptive and unfair practices. XXXX dollar government bailed out Citigroup along with XXXX get pleasure out of targeting vulnerable consumers such as XXXX Veterans. XXXX dollar government bailed out Citigroup along with XXXX violated federal consumer protection law and reported inaccurate information to the credit 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 2021-03-09
Company: Factor Trust
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXXXXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: FL
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or omit the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Debt Recovery Solutions, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no knowledge of this debt reporting from XX/XX/XXXX with an opening date of XX/XX/XXXX. I immediately sent a certified detailed letter on XX/XX/XXXX, requesting specific documentation for this alleged debt to this collector with no response as of XX/XX/XXXX. Nor have I received any former writing of this alleged debt prior to reporting on my credit report destroying my credit profile. I request a cease and desist of this reporting until this collector is compliant with my request and guidelines under FDCPA and FCRA. If the collector can not provide the requested documents this alleged debt should be immediately deleted from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
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:
inXX/XX/2019 i submitted a dispute to transunion because they were incorrectly reporting my balance for my XXXX XXXX account ( # XXXX ) and my XX/XX/XXXX XXXX XXXX account ( # XXXX ). for two months they did not update the XXXX  balance on these accounts. upon receiving the results of the dispute, i was notified that the accounts were removed and that transunion would no longer report them. this made my credit score plummet severely. the XXXX XXXX limit is XXXX and the XX/XX/XXXXXXXX XXXX limit is XXXX. when i called them back they stated i was an authorized user and that they were not obligated to report. this subtracted XXXX from my available credit and was detrimental to me. i was denied housing because of it. when i called again transunion stated that if the primary card holder requested that i be reinstated on the reporting that they would resume reporting. after doing what they said they still have refused to report my credit history on these accounts.i have been paying these accounts on time and have maintained creditworthy history that i need reported. 
transunion is also reporting incorrectly on my XX/XX/XXXXXXXX credit card account. this account is paid in full and agreed by credit grantor to be deleted. transunion is reporting it to still have a balance and charged off.

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 2023-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received emails about applying for and being approved for a checking account that I did not request. I messaged with Bank of America about a separate account I have with them and the following day ( XX/XX/23 ) I started receiving the emails about the checking account. It is possible this was the result of a phishing attack in my email, but it seemed more likely that an account was opened without authorization by a Bank of America employee. I did not have any other fraud activity besides the opening of the checking account. Bank of America closed the account right away when I notified them.

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 2021-02-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm a legal resident in USA, working in a position as staff for XXXX XXXX. I have a USID ( PID XXXX ) from Department of State that is never accepted by any of Credit Score Agencies or enterprises, because is not recognized by anyone, although I have a sane financial statement and I don't have debts. 
I have my SSN but is not accepted by Credit Score Agencies, because is only for work. I have my XXXX visa and I am discriminated continously when I try to acces to any service taht requieres credit score or report from credit file. 
I don't have TIN, because I pay my taxes in my origin country. 
The last problema has been applying for a TJ MAx card. 
My files can be queried in XXXX, XXXX and/or my bank ( XXXX ). 
That's a discrimination.

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 2021-03-09
Company: U.S. BANCORP
State: WA
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 filed a complaint with CFPB in XX/XX/XXXX - your report # XXXX I heard nothing else from this company until I got a notice early this year on my credit report saying it was 120 days past due which made a big difference in my credit score This account was written off by the company and when doing that they decided to file this negative past due payment information So everything they say is not true. They have not been able to prove to me that this was a joint account by providing my original paperwork that I signed in XX/XX/XXXX They have not sent me any of these 120 days notice of late payments by mail or email

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 2023-11-28
Company: EQUIFAX, INC.
State: NY
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$620000.00} XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX Balance : {$5200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: ROBINHOOD MARKETS INC.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have an account with Robinhood financial LLC. In XXXX I tried to withdraw my funds and because of a {$50.00} reversal when the account was first opened, they have locked my ability to withdraw anything. The early issue was resolved right away. I only learned this from searching their help screens. Now Ive been trying to contact them for several months and have a case number ( provided in attachments XXXX. They will not unlock my account, they will not reply to my several requests XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, over these months leaving me no other options but to file this complaint. We are a XXXX couple living on a fixed income and need the money they are holding. Please help us? 
XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid off my credit card to a XXXX balance on XX/XX/XXXX and XX/XX/2022. Capital one charged an interest fee on XX/XX/XXXX to an account thats had a XXXX balance since XX/XX/2022. I called on XX/XX/XXXX to dispute the charge and they would not remove it. I asked for a supervisor who also said they will not remove it. I then asked to speak to her supervisor and she said I need to hang up and call back if I wants to talk to someone else. Frustrated, I immediately hung up and called back and the female that answered hung up the phone after I notified her I want to dispute the current amount on my account which is their interest of {$9.00}. 

Absolutely terrible customer service. Thats just unacceptable to hang up and not call me back. 

I have a second account and Ive never had a company charge me interest when the account has a XXXX balance. It literally does not make sense no matter how much they explain it. How do you charge interest to a XXXX balance? How do you charge interest to an account with a XXXX balance and claim its from 2XXXX weeks ago? The entire 2+ weeks thats gone by its been XXXX balance. I can understand charging me if I still have a balance on the account but its literally been paid off for awhile now. Also my payments were all made way before the due date which is the XXXX. 

Based on how the customer service was handled today It seems they want me to stay in debt by this deceitful practice of forcing me to pay interest for something I paid off already. 


I have absolutely never had any credit card do this where they charge an interest way after the fact that the account has been paid off and Carrying a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-03
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: Information belongs to someone else

Complaint:
I recently obtained a copy of my credit report and noticed charges for a medical debt that does not belong to me and obviously a result of identity theft. i sent the bureaus letters asking them to verify the accuracy of the account and to send me all applicable proof as far as account statements, applications, signatures on applications services rendered but i haven't received a response. This is fraudulent and needs to be removed from 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 explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting 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 checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: Early Warning Services, LLC
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I sent an offer to purchase a camera on the site " XXXX '' for a total of {$1400.00}. The seller said to send them a payment through a banking service called " Zelle '' ( this is the email linked to their zelle account : XXXX ). Because there is a {$1000.00} limit per 24hrs on Zelle , I sent {$420.00} to see if the amount deposits. The sender said the XXXX went through. So I sent the other {$1000.00}, but the {$1000.00} they claim did not go through. They created multiple fake bank screenshots saying they did not receive the money. They went out of their way to create fake shipping labels to buy time, and tried to get me to send another {$1000.00} to another account ( other fraudulent Zelle account : XXXX ), claiming the original {$1000.00} I sent was going to be returned to me through Zelle within 3 business days because their bank was limiting them {$500.00} deposits per 24hrs. After 3 days past, I got nothing. This communication started on XX/XX/2023 and currently is still on going. I called Zelle numerous times and they claim all funds sent out from me went through and that the account receiving the money is linked to a XXXXXXXX XXXX not XXXX XXXX XXXXXXXX as the screenshots showed. I have all the text messages, screenshots, and XXXX account info. I reverse looked up the seller 's email and it says the account was created in South Carolina, even though the seller is from Utah. The seller is not who they say they are and more than likely using someone elses account without their knowledge. Another user also said, the same thing occurred to them and that they were scammed {$1000.00} dollars and shown fake labels and receipts. My phone # XXXX. Email : XXXX. Please let me know what else I can do to try and help out and get my funds returned, as this would qualify as a P2P transaction. Thank you.

Company response to consumer: Closed with explanation