BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Account # XXXX XXXX XXXX XXXX Portfolio Recovery, a debt collector, has reported a debt maintained under my Social Security number to XXXX  and XXXX, credit reporting agencies. Portfolio Recovery has failed to validate this debt.

The South Carolina Statute of Limitations is three years. Portfolio Recovery states they purchased this debt on XX/XX/2017. 
I enclosed copies of my requests to Portfolio Recovery, asking them to validate my debt, ( Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. No listings for {$1600.00} from XXXX XXXX or XXXX XXXX are recorded on any of the three credit reporting agencies. I challenged the accuracy, compliance, and report ability of this listing. 

I also sent XXXX  and XXXX  asking them to validate this debt. No information was provided back to me from XXXX or XXXX  that validates this information and provided me no documentation associated with this account, bearing my signature or any such documentation. 

FTC opinion letter on validation Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ), As per Attorney XXXX XXXX XXXX Division of Credit Practices, This letter says it all - a printout is NOT sufficient evidence of a debt and the burden of proof is on the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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:
Months 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 include it again. Kindly correct or repair the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am a cosigner on my sister 's private student loan with Navient for approximately {$5000.00}. 

Navient reports me as delinquent on payments for this loan to the credit bureaus. However, when I or my sister calls, they sometimes tell us that they see me as a cosigner, sometimes they do not. They tell us sometimes there is a balance and sometimes they tell us there is a XXXX balance and the loan is closed. However, they continue to report me as delinquent, causing a lot of harm to my credit score. 

I have requested to be released as a cosigner from the account ; I received a letter in the mail from them saying my application was not complete. Navient will not explain to me what information is missing from the release cosigner application. They just go back to telling me there is a XXXX balance or they do not see me as a cosigner when I call to ask for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2016 I lived in XXXX XXXX XXXX, was diagnosed with XXXX XXXX and could not work any longer, and had no choice but to move out, talked with the landlord before I moved and she stated since it was a serious medical condition, it would not be reported as a broken lease. But now it is and it's hurting my credit badly. 
Now it's on my credit report and the apartments is under another management company and that manager is no longer there and they have no files on me at all. 
Hunter Warfield Inc XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX Original Amount {$3000.00} Balance {$3800.00}

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 2021-04-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
A recent application for credit made me aware that my credit score was being effected by what all 3 credit agencies label as " proportion of balances to credit limit is to high on bank revolving or other revolving accounts '' or " amounts owed on accounts is too high ''. These statements do not accurately reflect the true status of my credit, as all accounts are paid fully each month. Upon investigation, I find that XXXX XXXX is providing what I consider to be false statements concerning my high balance. For my XXXX credit card balance, they stated to all 3 agencies " High balance of {$14000.00} from XX/XX/XXXX to XX/XX/XXXX ''. The balance stated for my XXXX limit card is also inaccurate for the stated period. The high balance they are seemingly reporting occurred in XXXX of XXXX, and was paid off that month. I have attached my complaints to XXXX XXXX, their reply, and a typical example of the credit report that XXXX XXXX is providing to all three credit agencies. 
From XXXX XXXX 's reply letter of XX/XX/XXXX, they state that the high balance they report is correct, and that it represents the highest credit balance since the account was opened. If this is a true statement that represents the credit reporting industry standards, I need to understand how your agency is interpreting the data they provide. Could your please provide answers to the following questions. 
1. Why my accounts were determined to be " high amounts owed on revolving accounts ''? What factors are integrated into your formulas. 
2. Does your credit score system recognize that the high balance being reported is from XX/XX/XXXX. 
3. Are monthly paid balances accounted for in any of your credit scoring procedures.

4. XXXX XXXX  states they use the highest attained balance as their reported " high Balance ''. Do all similar credit reporting companies apply the same strategy, or do some use a 12, 24, or 36 month rolling high credit balance to more accurately reflect recent credit utilization patterns. ( Please provide detailed answers )

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 2018-09-11
Company: Miller, Stark, Klein and Associates
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2018 this company contacted a relative of mine and threatened legal action against me. I then spoke to the company regarding this debt that has been settled for well over 10 years and then this company did threaten judgement and wage garnishment against me. This has all occurred without any correspondence by mail.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX XXXX, at XXXX XXXX  I received four emails stating that I had an Online Application is in progress. I was at work and had no clue this was happening until I came home from work and noticed the email notifications. I tried calling Bank of America but couldnt get through without an account number, of which I dont have. So, now I am hoping to physically go into the bank and find out how this happened and what is happening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
his complain is about Citi 's Online Banking System. So Citi 's online system is a disgrace for such bank. I opened a checking account some time ago. Before that by few years, I opened a few credit cards with Citi. Two of them as still active as of today ( Citi Costco and Citi Diamond Preferred ). Few days ago I requested that the checking account be closed. Now after it has been closed I am trying to UNLINK the checking account from my user id. I tried doing so online. It told me that this should take 2 - 3 business days. So I waited. 

After some time, I discovered that my Citi Costco and Citi Diamond Preferred Cards have been both UNLINKED from my user id. WHAT??? WHY??? So I tried to link them again, it didn't work at the beginning, but after few trials it was successful. Today, XX/XX/XXXX, I checking my online banking, I don't see my credit card accounts anymore. AGAIN!!! They have been UNLINKED by some unknown force. So I tried, AGAIN, to link them. I was successful in linking the Citi Costco card, but unsuccessful in linking the Citi Diamond Preferred Card. What's going on??? Should one leave his own responsibilities and life and focus on why the Online Banking of Citi is just messed up and doing stuff on its own. As usual, customer service is useless and they gave me some explanation that the Checking Account is a default account so after it has been closed and in order to UNLINK it, then we need to re-create a new user id and add both credit cards to it. Why should I even bother about this? Why this system is just a failure for such big bank? Need a solution as soon as possible.

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 2023-03-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I CALL EQUIFAX AND FILE FTC REPORT AND POLICE REPORT. THIRE IS 3 FRUAD Hard Inquiries. 

XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX I HAVE SEND EVERYTHING TO THEM. THEY TOLD BE IT BE REMOVE IN 24 TO 48 HOURE IT NEVER HAPPEN OTHER AGENT TOLD ME IS NOT SHOW IT HAS BEEN REMOVE BOUT IT STILL THIER. JUST NEED THIS 3 FRUAD INQURIS BE REMOVE. THAT IS ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
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: Account information incorrect

Complaint:
A recent application for credit made me aware that my credit score was being effected by what all 3 credit agencies label as " proportion of balances to credit limit is to high on bank revolving or other revolving accounts '' or " amounts owed on accounts is too high ''. These statements do not accurately reflect the true status of my credit, as all accounts are paid fully each month. Upon investigation, I find that XXXX XXXX is providing what I consider to be false statements concerning my high balance. For my XXXX credit card balance, they stated to all 3 agencies " High balance of {$14000.00} from XX/XX/XXXX to XX/XX/XXXX ''. The balance stated for my XXXX limit card is also inaccurate for the stated period. The high balance they are seemingly reporting occurred in XXXX of XXXX, and was paid off that month. I have attached my complaints to XXXX XXXX, their reply, and a typical example of the credit report that XXXX XXXX is providing to all three credit agencies. 
From XXXX XXXX 's reply letter of XX/XX/XXXX, they state that the high balance they report is correct, and that it represents the highest credit balance since the account was opened. If this is a true statement that represents the credit reporting industry standards, I need to understand how your agency is interpreting the data they provide. Could your please provide answers to the following questions. 
1. Why my accounts were determined to be " high amounts owed on revolving accounts ''? What factors are integrated into your formulas. 
2. Does your credit score system recognize that the high balance being reported is from XX/XX/XXXX. 
3. Are monthly paid balances accounted for in any of your credit scoring procedures. 
4. XXXX  XXXX states they use the highest attained balance as their reported " high Balance ''. Do all similar credit reporting companies apply the same strategy, or do some use a 12, 24, or 36 month rolling high credit balance to more accurately reflect recent credit utilization patterns. ( Please provide detailed answers )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: AMALGAMATED TOKEN SERVICES, INC.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
CFPB, I would like to report Coinlists very improper and illegal action with users money. 
As far as I know, there are so similar cases that many investors and users have had, but still no reply from Coinlist. 
You can easily find those cases from Coinlist XX/XX/XXXX account comments made by users. 
Coinlist does not operate communication channels to get customers feedback. Just they announce by XXXX and blog and preventing customers feedback. 
( Coinlist.co : Cryptocurrency company that launch new cryptocurrency with investors money ) 1. Deposit dates : XX/XX/XXXX 2. Amounts : Cryptocurrency CELO 1054.799 ( 8,133 USD amount as of XXXX XX/XX/2021 ) 3. Action I transferred Cryptocurrency ( Cryptocurrency : CELO ) to Coinlist almost a month ago, but still no deposit to Coinlist account, no refund or no clear explanation when and how they refund my money. 
I took a claim ticket on XXXX XXXX and then no reply at all from Coinlist until XXXX XXXX. 

On XXXX XXXX, Coinlist replied with short message that told me there were some issues on its custodian identifying certain CELO and cUSD deposits But they didnt explain when exact date they would refund and how to manage my case in detail. 
And still I havent got my money back even though I sent emails 5 times. 

4. The risk of Coinlist and My wish Coinlist seems to focus on increasing its company value to raise much money from other big investors or sell itself on very expensive value, but ignoring small investors risk and fund lose. 

Please investigate this company and stop all financial operation ASAP to prevent any additional damages to investors. If there are any illegal points, please stop its financial operation to avoid additional victims. 
And please help to get my money back asap.

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 2023-02-09
Company: LEXISNEXIS
State: WI
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 am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home and this is not fair. This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, MS XXXX ; XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MS XXXX ; XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$380.00} ; XXXX  XXXX Balance : {$300.00} ; XXXX  XXXX Balance : {$220.00} ; XXXX  XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had an account with Chase and money in the bank, no problems that I was aware of. In XX/XX/2019 I could not use my card, I called the bank and they said my account was frozen. I made an appointment to go into the branch, where I was treated like a criminal and they would not release my money or give me a reason as to why they froze my account. I had to wait months for my money and they never gave me a reason as to why they closed my account. On top of that, I asked for bank statements and they would not release them, they wouldn't let me have any access to my banking at all.

Company response to consumer: Closed with explanation