BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called and submitted a request in writing to XXXX XXXX under the FCRA and to Validate debt. Two accounts one for XXXX  XXXX for XXXX The second is for XXXX and XXXX for XXXX The second also shows as XXXX  XXXX never responded and then they sold to Portfolio Recovery Associates. XXXX removed the XXXX for XXXX but they have not removed the XXXX XXXX for XXXX I have asked XXXX to remove due to under FCRA and me requesting for the original debtor XXXX XXXX, XXXX and the collection agency Portforlio Recovery Associates to validate all statements, interests, payment history, late payments and original contract with my signature. I also asked Portfolio Recovery to validate debt and send me original contract with my signature and remove from my credit reports. I have a police report as well that I submitted to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2021-07-20
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: U.S. Auto Credit Corporation
State: SC
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 I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. XXXXXXXX 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

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 2020-09-23
Company: Resurgent Capital Services L.P.
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:
There is a fraudulent LVNV account reporting on my credit. I have sent in a police report, an FTC report and despite my assertation that this account is FRAUD, LVNV continues to report the account on my credit. This account DOESNT belong to me and I am requesting immediate removal of LVNV from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23
Company: Rocket Mortgage, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been working with Quicken Loans for the past 6 weeks to secure a conventional mortgage. My loan was dropped 3 business days prior to closing without warning. There was no stated reason for why the loan was dropped. I have excellent credit, was putting {$200000.00} down on the purchase of a {$350000.00} home so it was considered very low risk. Quicken uses a website to handle the majority of their interactions with clients. I was in contact with them throughout the entire process and uploaded everything they asked for in a timely manner. I applied for the mortgage on XXXX XX/XX/2019. The loan was approved in the beginning of XXXX. On XXXX XX/XX/2019, I informed Quicken that I had received a competitve offer from a local bank and Quicken agreed to match their offer. The new rate was 3.25 % with a 1 % point buy down for {$1500.00}. I assumed everything was good to go. Then 10 days later on Friday, XXXX XXXX, I recieved a message from a " solution consultant '' asking me to call her back. She did not work weekends ; I was busy Monday the XXXX and tried calling her 3 times on Tuesday the XXXX. She did not answer. I tried texting her. She did not reply. I went on to the website and asked if everything was still good to go for closing on the XXXX? At that point, I recieved an automated email that simply stated : " Even though things didn't work out, you can still view your appraisal on Rocket Mortgage. Please note that your account for your loan ending in XXXXXX will close in 90 days, so you'll need to download your appraisal if you want to save it. '' I then emailed the original mortgage banker that I had worked with asking what happened. She simply said " I've CC 'd the solution consultant to assist you. '' She did not offer any explanation. Another person responded to the email and said, " It appears the solution consultant was trying to get a hold of you and we just couldn't hold the loan any longer. '' That was on Wednesday, XX/XX/XXXX - 2 business days prior to closing. In all, I had to work with over 8 different people at Quicken. Each time, they lacked the continuity and understanding of the situation. And it appears that once I tried to shop for a competitive rate, they were no longer interested in doing business with me but waited until the last minute to tell me which meant I could not meet closing and lost thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Experian Information Solutions Inc.
State: IL
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'd opened a XXXX Mastercard account ( XXXX XXXX ) and added both my mother and father to the account as additional cardholders with their own personal Social Security Numbers. After finding out within a month or two opening the account, my account information was being reported directly to their personal credit reporting files and a call was placed to XXXX XXXX  to remove them from my account. 

I was assured that letters would be sent to all three credit reporting agencies ( XXXX   XXXX and Experian ). 

Almost 1.5 years later, due to a slight overage of this {$300.00} limit account ( a {$300.00} balance ), a credit monitoring alert was sent to my father this morning ( XX/XX/XXXX ) from a status report made on XX/XX/XXXX via Experian. 

After several dozen calls and multiple hours of my time, I'd contacted XXXX XXXX ONCE AGAIN to do the process all over as well as send some type of correspondence as such, which they say they will. 

I'd then gone through the process with contacting Experian and once I'd reached a live operator ( due to supposed 'technical difficulties ' on their website ), I had to formally dispute and add a comment as such.

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 2022-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Alerted Bank of America of fraudulent activity on my account on XX/XX/2022. 

No money was credited during investigation and claim was denied with no message or reason why, after waiting 5-7 business days.

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 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 BEEN THE VICTIM OF 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 2018-12-12
Company: RentDebt Automated Collections, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Upon pulling my personal credit reports I noticed an entry from Rent Debt Automated Collections for a total of XXXX. The alleged debt was placed on my XXXX, XXXX, and XXXX reports because Rent Debt is claiming that I owe XXXX to XXXX XXXX XXXX XXXX  of XXXX XXXX GA. I have maintained open communication with XXXX XXXX XXXX XXXX and I have been made aware that their office has no record of me owing a past due balance. I have submitted a dispute to Rent Debt Automated Collections through each credit bureau ( XXXX, XXXX XXXX, and XXXX   ), and each dispute has returned stating that the alleged debt for account number XXXX for XXXX has been verified as being valid. I am very confused as how this debt was verified as belonging to me and I have since spoke with the manage from XXXX XXXX XXXX of XXXX XXXX who informed me that they show my account as being closed with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I built a pole barn on my property that wasnt there when the loan was procured. I lost the pole barn to a fire the mortgage company claims that anything built on the property belongs to the mortgage and they required to be on the insurance check I requested to see where that was written in my mortgage but they refused to provided me with documentation ... After fighting with them for a I mailed them the check XXXX XX/XX/2019 requesting to be except to have a contractor rebuild my barn since it was paid for previously out of my pocket and state of IL does not require contractors to be licensed They refused to allow me to be exempt. I resubmitted the request a semiconductor time and was approved for little over half of the insurance check XXXX. The approval was in XXXX XXXX 2019. I was told 3 to 5 days I would get my money. On the XXXX I called and they told its is 5 to 7 days to receive the money On XXXX I called and I was told no its 10 days and the XXXX was the tenth day. On the XXXX they called and said the funds were being release and I requested the check would be sent over night and they agreee on the XXXX I called and they couldnt tell me why the check wasnt sent yet and I just had to wait. As of XXXX XXXX they still will not release me my funds and can not give me a reasonable explanation I have had to delay shipments of rebuilding supplies away twice now and all my personnel item that should be stored in the barn is sitting out side in the weather. NEW UPDATE CAUSE FIRST TRY DID NOT RESOLVE THE ISSUE -- - In XXXX I had a inspection and my mortgage company said I was only 18 % complete THIS IS A POLE BARN NOT A HOUSE I fought with them trying to explain to them that this is a pole barn and only thing left to complete a POLE BARN was place metal on it. A 100 % Complete Pole Barn Does not require a bathroom a kitchen a electrical panel -- -- A pole barn is a build that is used to store equipment in like mowers campers tractor etc. etc. -- -- After fighting with the mortgage company again I was lucky enough to be allowed more funds -- - I AM NOW 100 % complete and still fighting to receive the remaining {$10000.00} of my money -- -- The mortgage company keeps playing games and saying they haven't received an inspection that that wanted that they requested that they required. GIVE ME MY XXXX MONEY and quit holding me hostage by continuing to give me lame XXXX excuses that someone else holing it up -- -- I am complete so give me my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX has reported on my credit inaccurate information without my permission a violation of the fair credit reporting act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Trident Asset Management, L.L.C.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have had numerous cards ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX of XXXX, XXXX XXXX, XXXX, XXXX XXXX, Victoria 's SecreXXXX, Zales, Ann Taylor, XXXX XXXX, XXXX XXXX XXXX, and XXXX, with Comenity Bank over the years. 

Their customer service is absolutely horrible. They are rude and do not answer your questions. They lie and tell you something has been done, when it is apparent it has not. 

They have cancelled many of my credit cards and lowered my balance without notifying me prior to doing so. 
I paid a few days late on my one card and they suspended the card until the next billing cycle which was 7 weeks later. 

I took the account assure to help if I was ever out of work, and was charged monthly for the service ( Not cheap ), which raised the balance owed on my credit card, so my card was maxed out and I wasn't even using it ( but because I had a balance I was charged ). When I called to use it, they gave me a hard time and I would have to send documents several times before they would start crediting my account ( always would claim they never received it ). When I called to cancel the service they would give me a hard time. 

They used to allow you to schedule monthly payments so that your account was automatically paid, they took that away without notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2020 I wrote the US Department of Education concerning my credit report. As evidenced by the return envelopes the post office returned the mail and stated " No Such Address ''. I then examined all 3 credit bureau reports and they all have different addresses as evidenced by the information that I attached from XXXX, Experian, and XXXX  ( that are circled ). The creditor is responsible for reporting accurate information on my credit report. Also, I wasted money on postage as evidenced by these envelopes to only be returned. I am asking that all these accounts be DELETED because of inaccuracy.

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 2020-11-28
Company: EQUIFAX, INC.
State: TN
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:
On XXXX XXXX, 2020 I wrote the US Department of Education concerning my credit report. As evidenced by the return envelopes the post office returned the mail and stated " No Such Address ''. I then examined all 3 credit bureau reports and they all have different addresses as evidenced by the information that I attached from XXXX, XXXX, and Equifax ( that are circled ). The creditor is responsible for reporting accurate information on my credit report. Also, I wasted money on postage as evidenced by these envelopes to only be returned. I am asking that all these accounts be DELETED because of inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank Inc recently sent me an offer to open a checking account with them. It was an offer that I would receive {$1000.00} bonus if I deposit $ XXXX with them in the next 30 days. 

I opened my account with an initial deposit of {$25.00} and then deposited {$30000.00} more into the account. They also have an option to connect the account through XXXX which verifies bank accounts instantly. I had linked my XXXX XXXX XXXX checking account to my new Citi Bank account and scheduled some external transfers after XXXX verified to Citibank that was my account. 

Citibank cancelled my transfers, and then did an " investigation '' and ended up closing my account. I tried calling probably 10 different times. I have no access to my money, when I call Citibank they can't find my account and have sent me no documentation whatsoever about my account. I have proof of all my documents, and currently Citibank has {$30000.00} of my money that can't be tracked. I did some more research into Citibanks practices and found that this has happened to quite a number of people, the same people that have gotten offers to move a large amount of money to their institution. Please help as Citibank has been no help and has not send me anything in the last 5 weeks in regards to a statement, funds being held etc ....

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