BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-16
Company: Army and Air Force Exchange Service
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: Account status incorrect

Complaint:
Re : XXXX XXXX  account # XXXX, XXXX To whom it may concern : Please consider this letter as my formal complaint against XXXX XXXX ( Army Air force exchange ) AAFES. 

I have sent certified/return receipt dispute letters to XXXX XXXX requesting verification of this account in accordance with FCRA. These dispute letters were received by them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX was unable to verify/validate this account in accordance with FCRA. 

After challenging this account with the credit bureaus directly, This account was removed. XXXX   XXXX then reinserted this account under a different account number ( XXXX ) without the 5 day reinsertion notice required by FCRA. 

As this account was hindering my credit worthiness, and with XXXX XXXX unwilling to correct their records, I decided to pay the full balance allegedly owed by sending a pay for delete letter and check. On XX/XX/XXXX I sent this contract along with a check for full payment as reported to the credit bureaus, in the amount of {$8900.00} in which they received on XX/XX/XXXX, and cashed on XX/XX/XXXX In the letter and written on the check were the following terms : By cashing this check, you agree to terms of this contract : -Show paid in full. 
-Remove credit items from reports -Cease collections Currently XXXX XXXX has yet to correct their reporting according to the contract. They are still reporting a negative collection account to the credit bureaus in the following amounts : XXXX  : {$1400.00} XXXX : {$8900.00} XXXX : {$1400.00} I implore your agency to please assist me in having this unverifiable, and paid in full account, removed from reporting on my credit files. XXXX XXXX practice is highly damaging to my credit and i would be remiss not to request your assistance with this issue. 

All return receipts, letters sent, and evidence available upon request if not included in this complaint. 

Thank you for your time and assistance in this extremely important issue : My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX CC : CFPB CC : XXXX CC : Attorney Generals office : XXXX XXXX Office of the Attorney General XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX U.S. Department of Justice XXXX XXXX XXXX, XXXX Washington, DC XXXX XXXX XXXX Office of Attorney General State of Florida The XXXX XXXX XXXX, FL 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 2022-12-23
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was falling behind on my bills and reaching out to each creditors to enroll in a program to avoid damage to my account and credit reporting. I enrolled both Discover accounts on XX/XX/25. I was offered a new payment amount for the next few months to get through the hardship. I was alerted that my accounts were reported as delinquent and called to find out how it happened. The representative was wonderful. She did say that the payments offered came through but they werent enough to address the past due. The issue for me is that one account was a XXXX payment but it really should have been XXXX to avoid reporting. Since I didnt come up with the offered terms myself, I find this to be a little misleading. I certain would have increased my payment to avoid negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MT
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:
On or about XX/XX/XXXX I received a letter from Portfolio Recovery Associates, LLC making an allegation that I owed {$520.00} to the original creditor. " XXXX XXXX ''. PRA sates that they purchased the alleged debt from " XXXX  '' on XX/XX/XXXX. I've never heard of or from XXXX  in the past regarding this alleged debt and when I tried contacting them ( XXXX ) I spoke to one of their representatives ( didn't want to give me his name ) and informed me that they are no longer " XXXX  '' and that " many '' years ago they separated from " XXXX '' and now go by the name of " XXXX XXXX XXXX ''. I wrote a letter to PRA requesting validation of debt and the authorization they have to collect this alleged debt dated XX/XX/XXXX and as of todays date PRA has not provided me the information I requested. PRA is knowingly violating the FCRA & trying to collect an alleged debt that has passed the " statue of limitation '' in the state of Montana which is 8 years. PRA actions of not providing me the required validation of debt & trying to collect on an alleged debt that they know has passed the " statue of limitation '' bring into question the integrity of their business practice but unfortunately for them as a victim of identity theft I've become a well informed consumer and know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midland Credit Management INC. 

Constantly, called my cellphone and mailing letters to mailing address stating that they were going to sue me because I owed credit card debt from supposedly two companies that they purchased. They actually went to residence and serviced the residence there with the judgment. Never gave the original company the right to sell my information to third party. The accounts were charge-off, due to COVID-19 pandemic, I lose everything I explained to them but the third party company harassed me from XX/XX/XXXX until XX/XX/XXXX. The residence was just a mailing address because I was homeless. Now they have a court judgment on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: FIRST ADVANTAGE CORPORATION
State: MD
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 BUSINESS DID NOT MAKE ME AWARE OF MY RIGHT TO OPT OUT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX  XXXX  XXXX  the original creditors have been trying to extort {$650.00} from me by establishing a negative debit to collect under an attempt that needs to be nullified. With every attempt to dispute this charge I have told these creditors that I have insurance for medical debits I don't have any reason to collect a debit because I am fully insured and they could have billed my insurance instead of making me respectfully responsible for a debit. These people have been harassing me for years and it's time for them to stop disparaging my credit. It is totally unfair for me to achieve anything credible of worthiness as this means a major hindrance going forward

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 reason for my dispute due FRAUDULENT ACCOUNTS furnished to my account that here are some of the account I never had any business or contracts for business with the following companies : 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 under I expect this collection account to be removed from my credit report. i HAVE FILE A COMPLAINT WITH CFPB AND THE LOCAL AUTHORITIES. I HAVE BEEN WAITING TO HEAR BACK FROM THE 3 CREDIT BUREAUS, I FILE EVERYTHING I WAS TOLD TO DO SO FAR WITH NO RESPONSE!

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 2023-12-05
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/23, my joint account with my son had our debit card compromised/hacked. This was reported promptly by phone on XX/XX/23. The unauthorized XXXX charge of {$200.00} on XX/XX/23 had already processed. However, the XXXX XXXX XXXX fraud transactions of {$100.00} and {$200.00} on XX/XX/23 were still pending. On the phone, the Truist CSR stated that he would block the pending transactions. If they did not block them, we should give them a call later. This is obviously unacceptable, but we called again later when Truist failed to block the pending unauthorized transactions, and we subsequently signed affidavits on all of the fraud transactions. This process was cumbersome and Truist delayed at every point of the process and would never communicate. Several calls and e-mails went unreturned. The fraudulent XXXX charge was recovered. But the XXXX XXXX XXXX charges were ruled authorized by Truist. When I reviewed the dispute documentation, I noticed that Truist only investigated the {$200.00} and not the additional {$100.00}. I also noticed that the XXXX XXXX logs showed XXXX fraud/unauthorized transactions for a total of {$600.00}. Thus, our call or my son deactivating XXXX XXXX shut down the cyber-attack and limited our loss to {$300.00}. These transactions are so obviously fraud that anyone could recognize it by the activity. We do not know XXXX XXXX ( generic name ). My son has limited access to his phone at XXXX. " Regulation E Comment for 1005.2 defines 2 ( m ) Unauthorized Electronic Fund Transfer as ( 3 ) Access device obtained through robbery or fraud. An unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. '' This is clear non-compliance of Reg E by Truist. We were clear in our report that the charges while pending were not authorized. We were clear that the debit card had been hacked. Truist has call logs and recordings to prove that we reported the fraud while the transactions were pending and that Truist did not stop the pending unauthorized transactions. Further, Truist should have internal fraud activity logs that detect suspicious activity. The XXXX XXXX logs that Truist provided are infuriating as it shows that Truist only investigated the {$200.00} disputed transaction, not the additional {$100.00} disputed. It also shows XXXX other unsuccessful fraud attempts totaling {$300.00} that never hit our account because we caught the initial {$300.00} so quickly.

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 monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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: 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: Information belongs to someone else

Complaint:
I've noticed an unauthorized account on my credit report from XXXX BANK XXXX NUMBER XXXX according to the Fair Credit Reporting Act this must be removed off my credit report due to the inaccuracy. Im asking this is removed from my report before I pursue further action against the bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: FIRST NATIONAL BANK OF OMAHA
State: MO
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 am a victim of identity theft. An identity theft used my personal information without my permission to apply a loan from the first national bank of Omaha, and theres monthly payment {$490.00} charged from bank since XX/XX/2021. The loan is not mine, I have enclose proof of my identity and a copy of my identity report. 
I discovered this XX/XX/2021 and report to XXXX  XXXX police department, case no XXXX and federal trade commission case XXXX and sent the report to the bank. 
the bank do not stop collect the loan that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, I opened an account with XXXX XXXX XXXX XXXX. My last payment to XXXX XXXX XXXX, na was on XX/XX/XXXX in the amount of {$100.00}. My balance was {$330.00} at the time. On XXXX, the account was closed and charged off with XXXX XXXX XXXX On XX/XX/XXXX, LVNV Funding, LLC acquired the account. I Received Several Emails, and Calls from XXXX XXXX XXXX XXXX XXXX ) and Resurgent Capital Services XXXX XXXX ). I have Disputed the account and requested to verify the correct balance. 
LVNV Violated, " The completion of the period of limitation prescribed to bar any action shall defeat and extinguish the right as well as the remedy. '' XXXX XXXX. 
The statute of limitation clock starts when the contract is breached. Typically, this means 30 days after the date of the last full payment. 

Also, Misleading representation, will XXXX different companies stating that they are collecting debt for LNVN, Funding relating to a charge off account with XXXX XXXX XXXX 


Futhermore, On XX/XX/XXXX a summons was issued by LNVNL Funding, LLC XXXX XXXX XXXX XXXX to appear in XXXX XXXX XXXX XXXX regarding the collections debt matter. ( XXXX XXXX. : XXXX ), delclaring that I pay {$780.00}, plus judgement interest at 8 %. 
The declaration stated that LVNV Funding, LLC ( Plaintiff ) " Through Counsel '' sent ( Defendant ) a correspondence demanding payment on this account. 

I never received Correspondence through counsel demanding payment for the account. 

Also, I was never served summons, as there is no proof of summons. I so happen to be walking in my front yard and notice a paper on the ground. 

On XX/XX/XXXX, I contact XXXX XXXX group and spoke to a XXXX who identified himself as the vice president of the company. He was rude and wouldn't hear anything I had to say regarding this matter. 

I went to the company 's website and saw that that did not have a " XXXX XXXX listed on their website and through Mississippi XXXX of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I've noticed an unauthorized account on my credit report from XXXX BANK XXXX NUMBER XXXX according to the Fair Credit Reporting Act this must be removed off my credit report due to the inaccuracy. XXXX asking this is removed from my report before I pursue further action against the bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
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 Account XXXX XXXX XXXX # XXXX. {$11000.00}. XX/XX/XXXX XXXX XXXX. # XXXX {$0.00}. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX. {$17.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$0.00}. XX/XX/XXXXXXXX XXXX  # XXXX. {$2400.00}. XX/XX/XXXX 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 2023-11-16
Company: DISCOVER BANK
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
During my time in the hospital someone had stolen money from my account. Discover bank decided to only credit XXXX dollars and close out the XXXX and XXXX dollars that were also stolen from me. They were not responsive and i have submitted a refile of the dispute 3 times. They allowed someone to take all my money almost in 2 days and now are not providing any info or credits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against American Express for charging me illegal junk fees on my charged-off account. 

Account Details : Account Number : XXXX  Account Type : Credit Card Account Status : Charged Off Past Due Balance : {$2000.00} Current Balance : {$6400.00} Junk Fees : On XX/XX/2023, American Express charged me a {$4300.00} in fees on my charged-off account. This fee is excessive and unfair, and it constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and New Jersey consumer banking laws and codes. 

FCRA Violation : The FCRA prohibits credit reporting agencies from reporting inaccurate information on consumer credit reports. American Express 's reporting of this junk fee is inaccurate, as it does not reflect the true balance of my account. The fee is also excessive and unfair, and it is not a legitimate debt. 

New Jersey Consumer Banking Laws and Codes Violation : New Jersey consumer banking laws and codes prohibit banks from charging excessive and unfair fees. American Express 's reporting of this junk fee is a violation of these laws and codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have an open case XXXX. IT has not been resolved and I am aware your case is still open. I am unable to access my information to update credit cards and other banking services. 
Bottom Line this has been ongoing sinve the beginning of XXXX when Experian has asked me to reconnect my XXXX XXXX accounts. From then on in XXXX I was no longer able to access my data. I have opened XXXX XXXX cases most recent was XXXX. 
I will attempt to attach a snapshot of my trouble. The message reads... 
Sorry, We're unable to process your request right now. Please try again later. I have reset my password sucessfully throught this connection issue. 
I have tried to contact an agent only to be rerouted many times to some other recording. So it has been almost 3 months only to still be unable to login and utilize XXXX which is what Experian feels is so Great. 
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 2022-03-18
Company: Bread Financial Holdings, Inc.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried several times to open a savings account with Comenity Bank today. They said they are " unable to open an account '' with me but wouldn't tell me why. They wouldn't tell me what they relied on to deny my account. I called XXXX times and told them I would file a complaint with you. I have a credit score of XXXX and no adverse information on my XXXX Report. When I said I had a right to an Adverse Action report under the FCPA, they said they would eventually mail me one in about two weeks ( that I guess I would receive in about three weeks ). 

My guess is they have some of my personal information wrong. I offered to let them run a credit check or let me apply in paper or let me verify my information by sending them my driver 's license but they wouldn't. 

I tried XXXX times. I'm 100 % confident that all the information I gave them was accurate. 

I also asked to speak to a supervisor. That request was denied on the grounds that the " supervisor would tell me the same thing. '' If they have false information about me, I want to know what it is so I can correct it. I am concerned my name and email and address has gone on the " dark web. '' ( I've been told it has. ) And if someone else is messing with my otherwise perfect credit, I need to know about it.

Company response to consumer: Closed with explanation