BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-29
Company: Experian Information Solutions 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:
On XX/XX/21 a collection account was placed on my credit report for {$200.00} dollars. I was never notified about the account until I called XXXX XXXX XXXX, spoke to a representative named XXXX and she wasnt helpful at all or gave any informal regarding this account. I have no knowledge of this account and I am a victim of identity theft. I want this resolved immediately, this is affecting my credit history.

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 2020-06-08
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XX/XX/2020, I revceived a notification on all three credit bureaus that Credit Collections Services, XXXX XXXX XXXX, XXXX, MA XXXX Reported a debt allegedly owed by me to XXXX XXXX XXXX : acct # XXXX XXXX XXXX Amount {$360.00}. This was the first time I was informed of this attempt to collect this debt, So I immediately sent a certified letter to Credit Collections Services, requesting full verification of this debt. The letter was received by one of their agents on XX/XX/2020 at XXXX am. On XX/XX/2020, I received a bill from Credit Collection Services for the {$360.00}, but no type of verification Pursuant to 15 U.S.C 1692g of the fair debt collections practices act, I am legally entitled to request that the supplier of this unverified information supply me with all the information, including the information on the original creditor, all accounting that led up to this figure that they are reporting and a signed contract giving them the legal right to collect on this debt, furthermore, I want to see their bonding information and licenses stating that they have the legal right to collect in the state of Florida. 

Credit Collection services has failed to respond to my request, continues to report this information to the credti bureaus and has even updated the dates without responding to my request, which is a blatant violation under section 15 U.S.C 1692g of the fair debt collections practices act.

Enclosed is a copy of the USPS tracking that clearly shows that they received my request and blatantly ignored it. 

I spoke to a customer service rep from the company on XX/XX/2020 by the name of XXXX XXXX, and he informed me that they have my address listed as XXXX XXXX florida as opposed to where I live in sunrise fl, but that should not make a difference.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CONTRACT CALLERS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is regarding the XXXX XXXX XXXX and subsequently a debt collection agency called Contract Callers , Inc. 

I vacated my apartment in XX/XX/2021. The account was marked as satisfactory and closed as of XX/XX/2021. My electric account statement shows that all my balance was paid in full. However, a couple of weeks ago, I check my credit report and see that a debt collection agency has reported me for not paying my electric bill. I have always paid my bill on time through autopay. Neither the electric company, nor the debt collection agency made any attempt to contact me via email or phone even though they have all my information with them. 

Upon contacting the energy company, I was told that I had a pending bill. When I told them my account number and informed them that the pending balance is {$0.00} and the balance is paid is full, they tell me that you won't see the last balance because your account was closed, but you have {$170.00} pending. How am I supposed to know that there is any pending balance when I check my account summary and it say paid in full. 

When I asked them this question, they say that you were sent an email, but I have no email records from the company. I've been trying to get in touch with someone to help me out with this issue, but no one is helpful. 

This is reflecting on my credit report now, and neither the electric company nor the debt collection agency are willing to help. I want to reiterate that no attempt was made to get in touch with me for close to a year either by email or phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: CARD Corporation
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2020 I am sitting on my couch when XXXX, which is a food delivery company in the XXXX charged my card {$66.00}. I immediately cancelled my card and contacted XXXX. After days on me trying to get answers and being unable to contact the card holder CARD.COM to get info on my money back due to them being short staffed from covid. XXXX finally responded back and told me they flagged the account that my card was used on for fraud but stated I had to get the money back from card.com. 

I am reporting card.com because after speaking with a representative in the fraud department she told me it is not their job to provide security for their cards. They are a business and they provide a service. They feel like I should have been better and not ordered someone food in the XXXX. I told her there is no way I am just sitting on my couch in America ordering food for people in the XXXX. 

I think the American people should know that CARD.COM doesn't feel like they have to provide card security while holding our money on their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Bank of America stated I would be held responsible for a fraudulent charge that I did not make though XXXX. There is evidence submitted to them that the address on the card did not match the delivery address of the fraudulent charge. The name and phone number associated with the delivery of the product also did not match the name of the cardholder. A total of XXXX  was fraudulently placed on my credit card. They did credit the account but are now reversing the credit and making me pay for this fraud charge.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX  XXXX finance has on my credit report a repossession when I have my title and receipt of full payment of the car

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 2023-11-05
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Re : Formal Complaint against Experian for Violation of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally report a grievance against Experian, a credit bureau , for their alleged violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I sent a certified letter to Experian, addressed to the XXXX XXXX, on XX/XX/XXXX, seeking the validation of a debt related to a closed account with an open balance that is inaccurately reported as past due. The subject account pertains to my relationship with XXXX XXXX and has a reported opening date of XX/XX/XXXX, and an outstanding balance of {$410.00}. 

The FCRA, under Section 609 ( a ) ( 1 ), grants consumers the right to request verification of debts reported on their credit reports that they believe to be inaccurate or incomplete. My certified letter to Experian requested such verification of the debt associated with the mentioned account. Specifically, I sought information that would enable me to ascertain the validity and accuracy of the reported debt. 

Experian 's response to my request, however, has been unsatisfactory. The credit bureau failed to provide the essential information required to validate the debt, as stipulated by the FCRA. Instead, Experian continues to report the account as past due, which is having a detrimental impact on my creditworthiness. This reporting is in contravention of the FCRA 's provisions, specifically Sections 1681e ( b ) and 1681i, which mandate the accurate reporting of consumer credit information and the requirement to investigate disputed information. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter promptly, as Experian 's actions appear to be in violation of the FCRA. It is my belief that Experian 's failure to comply with the FCRA has caused substantial harm to my credit standing, potentially affecting my ability to access credit, employment opportunities, and other financial activities. 

In accordance with the FCRA, I would appreciate the CFPB 's assistance in addressing this issue and ensuring that Experian adheres to its obligations under the law. I have attached copies of the certified letter sent to Experian, as well as any correspondence received from them in response to my request. 

Thank you for your prompt attention to this matter. I look forward to the CFPB 's involvement and assistance in resolving this dispute in accordance with the Fair Credit Reporting Act. 

Sincerely, 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 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 Mental 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 2021-08-27
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2021 I was contacted by revenue group and was told that I owe a debt and the lady language was very intimidating. The amount was around {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. Im a US retired  veteran with XXXX discharge. I have a checking account with citibank. my account number is XXXX. Citi has frozen my account and thus, denying access to my funds as a result im facing XXXX as i cant pay rent and other bills. I called several times and they are very rude. Telling to wait for a imaginary letter that never comes. The reps are not Usa based and never really help you. I have children with and i also suffer from XXXX. This is making my situation worse. I researched online and found multiple people with the same problem. They even faced a class action suit in New York for freezing customer accounts with out proper cause. CFBP should look into this problem thats affects many americans.

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 2018-10-24
Company: LendUp Loans LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was never opened by me, shows I have a ton of missed payments but dont its been a year and they still wont stop reporting late payments I need someone to seriously help me out. I have tried to dispute call them and no one can help me out how did someone even use my information?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: OH
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies on XX/XX/2020 in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has been over 30 days, I filed a 30 day demand to comply with the credit bureaus on XX/XX/2020 and still have yet to receive any 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 2023-09-06
Company: Resurgent Capital Services L.P.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I sent them a complaint on XX/XX/23 requesting all the original documents I signed to permit them to report my personal information to a 3rd party. They refused to send me the requested information. I am requesting the 3 signed documents, I need to sign to permit them to share my personal information. They can reference the U.S. Code 1681 ( A ) ( 2 ). If they obtain my personal information without my consent, they can reference U.S. Code 1028 ( A ).

I am requesting all signed documents that I signed to an agency to provide you with my personal information. It is your agency to provide the burden of proof. If you can not provide the burden of proof, under consumer laws you must remove any information you reported to any consumer reports immediately. This company stated I have to show them the burden of proof they obtained my personal information illegally. I am requesting all signed original documents that are attached with my name on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Two debts on my collection from LVNV Funding LLC. Never borrowed or received any form of money from this company. My address is XXXX XXXX XXXX XXXX GA XXXX. I reported fraud coming from address XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax continues to report inaccurate information onto my consumer report causing me significant harm and damages. The account listed as XXXX is reporting has a Collection? Charge off when in fact no consumer can be in default in an open ended installment plan. Furthermore Equifax makes a financial gain from the solicitation of my nonpublic information released by XXXX. My transaction history with XXXX should not be released to the public in such a manner to cause me harm. Equifax is required by federal law to report accurate information. Any credit account that has a balance over a {$1.00} the credit belongs to the consumer so how is Equifax reporting this account has collection/charge off? Furthermore Equifax is securitizing my information and has not reported this fact to the IRS which is tax invasion. I am requesting that Equifax turn over all records for the profit of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX I was treated for XXXX XXXX at XXXX XXXX. I received one bill  for this visit from XXXX. It has been determined that this bill was paid. However, I still discovered that a collection of {$590.00} from this vist was put on my account on XX/XX/XXXX. I did not pay this because I believed I already had. Later on, I disputed this collection because I believed this debt was paid on XX/XX/XXXX. However, on XX/XX/XXXX I was informed by Puget Sound Collections that this was a separate bill from a XXXX XXXX XXXX XXXX, not the XXXX XXXX. The Collection agency claims to have sent a notice to me to XXXX XXXX XXXX in XXXX, WA. However, I am completely unsure of where they got this address from. At the time of this hospital visit, I was living in XXXX, WA which I had been since XXXX, XXXX. This can be seen through my personal information from the hospital and an addition to a lease agreement. The XXXX XXXX  was able to have my address, because they sent my a bill and it was paid. I did move shorlty after this visit, but it was not to a XXXX XXXX . You can see I moved out of XXXX in XX/XX/XXXX. I moved to XXXX, WA but our mail was forwarded to XXXX XXXX XXXX. Again, I do not know where XXXX XXXX XXXX came from, but it was not the correct address to reach me at and it is not right that this is negatively affecting my credit when I did not have the opportunity to pay this in a timely manner. I did not provide this address and it is not an mailing address connected to me.

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: TD BANK US HOLDING COMPANY
State: FL
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:
I had XXXX credits to be given to me from TD Bank of {$400.00} and {$330.00} and the bank said they credited me but never did. The bank said the XXXX was not posted but it was a transaction made for XX/XX/XXXX and the merchant said that they had credited me for this purchase I did not use but calls to the bank do no good. The bank refuses to put the bills for these into my account but the vendor claims he cancelled both of them so the vendor said the bank is holding my money that the vendor gave back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with inquiries I didn't authorize

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 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 called XXXX to get TV service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me except the dish network account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent accounts off my 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