BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: Bread Financial Holdings, Inc.
State: IL
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:
I applied for a credit card and received a letter saying I needed to call a number to activate it. They answered with a 'hello ' instead of a company name which was odd, and then proceeded to ask me to give every single bit of personal information to confirm my identity and wanted me to verify a text code - all exactly what is done to steal information. I said I'd already filled out all the information and asked if I could confirm with them anything, rather than give them all of it ( after I'd given them most of it ) they said I could not. I said I would not be giving them the information or signing up, but asked if they already ran my credit- they did, and it dinged my credit score. I'm extremely irritated as I'm trying to make some major purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
You promised to cancel the loan. U agreed it was induced by fraud. You promised to work XXXX insurer of loan. 

YOU PROMISED TO REMOVE LOAN FROM CREDIT BUREAUS. 

you breached every promise including canceling the loan. You stole money from the XXXX XXXX misappropriated into 1 payment to you and then SOLD the loan back to XXXX. 

I demand you perform on your promises. 
REMOVE THIS FRAUDULENTLY INDUCED LOAN THAT IS UNENFORCEABLE AND VOID FROM ALL CREDIT BUREAUS and all other third party publications. You stole money that was given to XXXX pursuant to contract terms as return of ALL money. 

Litigation is still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct 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 2015-11-03
Company: Suttell, Hammer & White, P.S
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received threatening phone calls and letters plus a lawsuit was filed, when I disputed the claim to debt. They are not the original debtor and their information is wrong. They did not provide me with enough information and threatened to take action if I did n't respond within 30 days. They refuse to give me their street address when I phone them so that I can have them served. They were very rude on the phone and would not provide information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXXXXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXXXXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX. XXXX XXXX XXXX Account Number XXXX, XXXX XXXXXXXX, DEPT OF EDXXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-09-05
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XXXX account is a spousal consolidation loan ffelp that I have requested to have placed into Admistrative Forbearance while waiting for the paperwork to separate the loan. Case number XXXX has been referred over to the XXXX XXXX XXXX and I am waiting for the paperwork. Nelnet has not responded to me making the request by email and when I advised them of the request over the phone they say they couldn't since they have not received the instructions to apply forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX, XXXX chime closed my account right out of the blue. i was hacked earlier in XXXX and they had to return the funds to my account. In my credit builder account I had {$640.00} and some change in my accoint and now they are refusing to refound the money. they said something about i didn't abide by the user ageement but they will not explain to me what i have done or what that means. i am behind on my rent because of this company. they are refusing to refund and return to me my social security XXXX money that i receive every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Account was closed, trying to withdraw remaining BTC ( XXXX BTC ) from vault with approximate value of {$1200.00}. On the account closed page, trying to withdraw the funds does nothing and the spinner just hangs after entering in the withdrawal address. Funds have been locked for almost 3 months now. 

Requested assistance from support and received automated response and then notice that no more emails will be responded to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
On XX/XX/XXXX i disputed incorrect information with XXXX and XXXX to alert them that they are reporting incorrect information. I have received updated credit reports that do not match across these bureaus. The date of status also has not changed proving that there was no investigation done. One in particular is an account that is reporting an incorrect first delinquency date. On XXXX its dated XXXX but on XXXX its dated XXXX. Resulting in a longer period for this to remain on my credit report. I have also reached out to the collection company by certified mail to change the address they have so that The bureaus can delete the incorrect addresses they have on file. XXXX will not delete these incorrect addresses and as a result I am afraid someone at one of the old addresses may be receiving my credit offers putting me at risk for identity theft.

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 2023-08-19
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
1. I visited A Chase bank for financial advice, and was given advice to closed a secured banking account without and safe briefings causing delinquency. Phone agents and other branches simply gave an apology and no help.

2. I have the suspicion that beaureus have different names. Causing Old or already taken care of accounts in different places, furthering my history and delinquency. 
My legal name XXXX XXXX XXXX And some accept hyphens and Im guessing some ignored it 3.my biggest loans contributing to not receiving help is a business loan ( XXXXXXXX XXXX XXXX  ) who was well aware I wanted a business loan and processed it as a personal one just to get it cleared Some bureaus flame I have no employee background even after trying to submit it Ive spoken to any and all accounts and branches and Im not being helped. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: AMERICAN EXPRESS COMPANY
State: CA
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC 's 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

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 2019-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call my house five times a day. I have asked them to stop calling me. They do not stop. I would like them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the collection agency to verify the debt and also the credit bureaus. It was deleted off one of my report for inaccuracy. I have not received a response from the collection agency and no verification from the bureaus. I had medical insurance at the projected time of the incident.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOVERY ASSCOIATES, LLC ( PRA LLC ) DID NOT VALIDATE OR PROVIDE PROOF OF OWNERSHIP OF SAID DEBT.AS PER FAIR DEBT COLLECTION PARACTICE ACT, SECTION 809 ( b ), THEY DID NOT PROVIDED THE REQUESTED PROOF OFTHE FOLLOWING ( PLEASE SEE ATTACHED DISPUTE LETTER AND PROOF OF CERTIFIED MAIL ) : 1. PROOF THAT I ACTUALLY OWNED THE DEBT 2. STATEMENT FROM ORIGINAL CREDITOR PROVIDING THE AMOUNT AND COMPLET PAYMENT HISTORY. 3. COPY OF SIGNED LOAN AGREEMENT AND/OR CREDIT CARD APLICATION/CONTACT 4. COPY OF CANCELLED CHECK FROM ME TO THE ORIGINAL CREDITOR PRA LLC DID NOT PROVIDE INITIAL NOTIFICATION LETTER UNTIL XX/XX/2020 ( PLEASE SEEN ATTACHED LETTER ) PRA LLC DID NOT PROVIDE PROOF THAT THEY ARTE LICENSED TO COLLECT OR OPERATE IN THE STATE OFGEORGIA. PRA LLC DID NOT PROVIDE A COPY OF A CONTRACT THAT THAT I HAVE AGRRED TO SAID DEBT THE TERMS OR PAYMENT OF THAT DEBT. PLEASE REMOVE AND DELETE THIS ACCOUNT FROM REPORT TO ALL CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I sent numerous letters to the bureaus XX/XX/2022 still nothing have been done, i do not know this company who is contacting me stating that i owe them money.

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 2022-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
XXXX XXXX balance was {$270.00} date XXXX XX/XX/XXXX account number is XXXX This account was paid off from XXXX XXXX XXXX XXXX  XXXX inquiry date XX/XX/XXXX the Removal date XX/XX/XXXX I never applied for a loan with them Capital One date open XX/XX/XXXX this account was paid off {$600.00} and still on my credit report account number is XXXX XXXX account number XXXX this account was paid off {$400.00} CXXXX XXXX XXXX Open date is XX/XX/XXXX Account number is XXXX this account was paid off {$500.00} XXXX XXXX I never opened and account with these people Open date was XX/XX/XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: CMRE Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CMRE FINANCIAL SERVICES ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$430.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: FL
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:
Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point I am being denied on my acquisition of credit due to the fraud. 
XXXX - CARD SERVICE XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Experian Information Solutions Inc.
State: WY
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:
Had fraud account have sent in police report to company and they still have failed to get this issue resolved. If this matter is resolved I will pursue litigation

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 2021-07-16
Company: Jon Barry and Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
DBA Paragon is reporting a debt on my credit report since XXXX of 2021. This debt has been under billing error dispute with the company previously before they obtained the debt and failed to be resolved properly.

DBA paragon is reporting the debt for the account twice separately knowingly because the {$560.00} attempted to be collected has already been paid out according to my insurance company XXXX XXXX XXXX. The original creditor has been sent the EOB of the amount. I have confirmed and requested this information myself. My XXXX  is covered and the amount they are attempting to collect has already been paid. They have not removed nor verified the debt belongs to me after a debt validation letter has been sent and the XXXX are confirming whatever information that is false. The debt practices violate my rights under billing discrepancy laws that protect me until the insurance company and creditor resolve the debt and what is owed if any by the consumer. I have sent information showcasing my son is covered.

Company response to consumer: Closed with explanation