BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt collection entity Rash Curtis & Associates violated FDCPA 3 times : # 1 ) Refusing to stop collections after receiving a debt validation letter on XX/XX/XXXX through fax and email ( they said they did not send a certified letter for the first interaction ) # 2 ) Credit Reporting a debt that is disputed on XX/XX/XXXX # 3 ) Re-aging a debt that originally was opened on XX/XX/XXXX, re-opening to XX/XX/XXXX. 

The origin of this {$630.00} medical debt is an emergency security charge that was not charged under employee medical insurance nor was signed or authorized by me. 

Rash Curtis & Associates XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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: Account information incorrect

Complaint:
I contacted Transunion, XXXX, and XXXX about 3 months ago asking them to remove his inaccurate information from my report. 

The following personal information is incorrect. Please remove this inaccurate information from my credit report. 
1. The following personal information is incorrect XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The following personal information is incorrect XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The following personal information is incorrect XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from 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 2019-03-16
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:
Equifax reporting fraudulent information on my credit file ... Items were removed in XX/XX/XXXX and returned with no explanation or validation of the fraudulent accounts after I've disputed multiple times and asked for validation with no response from Equifax on XXXX accounts that have been disputed multiple times ... XXXX XXXX account {$11000.00} # XXXX XX/XX/XXXX was deleted from my file and returned twice on Equifax 2 times between XX/XX/XXXX and XX/XX/XXXX. The file isn't reporting per Equifax so it needs so be deleted. XXXX is under investigation for trying to collect and they're not licensed to collect. I've tried to reach out to XXXX as well and the number is disconnected, it's a fraudulent account and I want it removed from my credit report as it's hindering my life and making me unable to purchase my home. Equifax sent documentation stating it's not reporting on my file and it reported XX/XX/XXXX and again on XX/XX/XXXX. I also have a fraud alert on my credit file, I attached the documents from Equifax stating XXXX isn't reporting when it is. I want this fraudulent account removed now it's not mine I never had an account with this company or anyone affiliated with this company. Listed below are other fraudulent accounts I disputed multiple times and Equifax never responded to my disputes and I've been disputed these items since XX/XX/XXXX. I even sent in a police report to prove to them my wallet was stolen with all my personal information inside. XXXX # XXXX {$2100.00} XX/XX/XXXX fraud never purchased from this company. XXXX XXXX # XXXX {$960.00} XX/XX/XXXX fraud I don't even know who this is never had an account. XXXX XXXX # XXXX {$330.00} XX/XX/XXXX fraud never dealt with this company. XXXX XXXX # XXXX XXXX XX/XX/XXXX fraud not my account never had an account with this company. XXXX XXXX # XXXX {$12000.00} XX/XX/XXXX fraud not my account never done business with this company, this company is also under investigation for reporting false information and trying to collect on accounts that do not exist. Equifax has been reporting these fraudulent accounts over and over and no matter how many times I've disputed them and sent documents to prove identity theft they will not respond to my disputes. This unfair stressful and depressing and these items need to be removed asap. I have no contracts with any of these companies and never have one I have no knowledge of these fraudulent accounts as they are not mine and need to be removed indefinitely Equifax is the only company reporting these fraudulent accounts my file is clean on the other two bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Used Capital One credit card to purchase XXXX XXXX flight from XXXX. Flight canceled by airline ( Covid-19 ). Flight credit from airline for later transportation unusable by me. And XXXX unreachable via phone after repeated attempts. My claim for reimbursement declined by Capital One, after reaching out to them by letter twice. So I want a fully refund for the flight I purchased, but never received through no fault on my own. 

Credit card charged {$940.00} on XX/XX/2020 for XXXX XXXX XXXX XXXX booking XXXX XXXX  ), purchased from XXXX XXXX Itinerary # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was used unauthorized and I filed a complaint. I got some money back yet they did not refund me everything as well as overdraft fees caused because of the fraud. It was over XXXX dollars owed plus fees and I only received XXXX in one credit and XXXX in another. Then they put a XXXX credit then 2 days later took XXXX dollars. XXXXm still owed XXXX in fraudulent transactions plus over XXXX in over draft fees that were not reversed.

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 2021-08-12
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for an Apple Card via XXXX wallet on XX/XX/21. I was given a {$6000.00} limit at that time. I decided not to approve it because I wasnt ready to make my purchase and didnt want to open a card needlessly. On XX/XX/21 I decided I would make the purchase and I applied again, this time via the XXXX site during the purchase. I didnt notice until it was too late, but they lowered my credit limit by {$3200.00}! There is no good reason why, either.. other than that I was making a purchase and they could see the total purchase amount. My salary and credit score did not changed in two days, why did they lower my limit so much? I tried calling and texting and explained the situation, asking that they raise it to the original offer of XXXX Their solution was to put in a credit line increase. Of course, I was denied saying my account was too new. However, the problem is that they should have given me a higher limit to begin with! Why do they lower it when making a purchase? This is super shady and I would like them to make good by raising my credit limit to the original proposal of {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
There's a someone else 's bank of america credit card account on my XXXX credit report. That account is shown with status charge-off, which drag my credit score down. I was trying to fix this with XXXX  and bank of america. I submitted dispute to XXXX twice to have that account removed, both rejected with reason : " The company that reported the information has certified to XXXX  that the information is accurate. '' Called them multiple times, they always ask me to dispute this with bank of america. I called and disputed this to bank of america too and got a reply of " we have reported correctly to XXXX  please dispute with XXXX ''. I discovered this error on my report one year ago, these two companies pass the buck to each other and the issue still not resolved.

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 2018-07-03
Company: EQUIFAX, 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:
XXXX XXXX XXXX credit card is being reported negative on my credit file and it doesn't belong to me. the account and balance do not belong to me and this is fraud. I have notified the three credit bureaus as well as XXXX XXXX XXXX and sent in the police report and this account was to be removed from my credit files. I still see I t appearing and greatly effecting my crtedit in a very negative way. this credit card and balance being reported on my credit files does not belong to me. this account should be deleted from my files as thisis fraudulent and doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is an ongoing issue with Resurgent. CACH, LVNV they are all run by the same person CEO XXXX XXXX. He is the one responsible for the companies he runs. Many years ago a default judgement was obtained against me by CACH LLC the courts were told I had been served. A lie, I would later prove. I was a victim of identity theft which was reported to the FTC, the police, the social security admin It was reported to all three credit bureaus.I sent this paperwork to all the bill collectors at and everyone was so willing to help and change the way I had been reported. Everyone except XXXX companies. In fact I couldn't get anyone to talk to me all they wanted was my money and I owed nothing. Had they read the paperwork I sent to them at least 15 times they would have seen just how bad the identity theft was. They would have realized that it was not me but someone using my social security number. It could have been taken care of 12+ years ago on some of the larger credit cards. Some did sneak in in XXXX XXXX and nothing now for 5 years. But Resurgent didn't do that they kept reporting me to the three credit bureaus like I was a deadbeat. And they personally ruined my credit bu double reporting on cards, be not reporting that there was identity theft and even today you can see by their response to my last complaint how wrong they are. XXXX wrote a reply he said that my XXXX XXXX card XXXX was activated in XXXX Please see the attached. They have continued to report false untrue wrong things on me. And it doesn't matter that they to date still are reporting me and I am sorry I have been punished for a lifetime because of them. I have had to pay higher insurance rates, I have not had a new car, I cant get a traditional bank account and I am XXXX. Why because good credit opens doors and they have only slammed in my face and this had nothing to do with me. I was the victim they knew this and didn't care. In XXXX they were reporting me double LVNV and Resurgent on the same cards so it looked like two. I have attached my response to XXXX and it will show that my card XXXX was not active as he states in XX/XX/XXXX and I do not owe a XXXX. Again now they are going to remove items off my report They need to remove them the right way not a charge off as they have done with other accounts. Its called Identity theft nothing negative should be on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am responding to the company 's response to complaint XXXX. 
I disagree with the company 's response. They denied that any of my rights were violated and that is incorrect per 15 USC 1692e. If it is a debt that is owed like they " alleged '' all charges I owed should be shown in the negative per the LAW. Per my credit reports and the statements sent from the company the alleged debt is shown in the positive. If it is a debt and it is owed it should be shown in the negative. I have sent an Affidavit of Truth to the company in which they did not respond in the correct matter so per the law the debt should be removed from all of my credit reports and from their system. I also followed up with a Notice of Default and Opportunity to Cure on XX/XX/XXXX giving the company 10 days to respond and resolve the issue but have not received a response. Per the company 's response they admitted to placing the account with XXXX XXXX XXXX, XXXX. ( which a law firm ) to further collect debt from me. Per 15 USC 1692e ( 3 ), a debt collector can not be an attorney, so if I was being sued by a debt collector an attorney should not be present. Although they did not garnish my wages, they did seize my bank account for a certain and took the money that was in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC
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 have two issues to deal with I hope you can help me with. The first one is with Wakefield & Associates. I have work for this company for tens and do not understand why I owe them any money or why they would put it on my credit report.I have try disputing this over and over again with the credit bureaus and have an no luck. This has been going on since XX/XX/2020. I do not understand this one why it taking so long and two why it even on my report. 

My second one is with XXXX. I have NEVER in my life file Bankruptcy. It is showing on my credit report as a Chapter XXXX that was dismissed. I cant stress enough that I have Never filed bankruptcy in my life. I want this remove. 

I have attached documents of the disputes and screen shot of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: N26 Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, I attempted to withdraw {$1000.00} from an N26 checking account held by me since XX/XX/XXXX of XXXX and was denied the withdrawal from the bank. I attempted twice more in {$500.00} increments, double checked my pin, and then called customer support and was told that the settings for deposit and payment limits would need some time to change over ( this has never happened previously, nor was I informed of any change to the system ). 

On XX/XX/XXXX, I tried to withdraw {$500.00} again and was denied the transaction by the ATM. I ignored it for the time being. I went home and tried to pair the new phone I had been using for several months, with the app ( previously I had unlinked my old phone and since I barely use this card, I didn't immediately decide to update the information via the app ). I decided to hit up the online chat and was informed that my account had been suspended for an undisclosed reason and that I would be emailed by a specialist in the future. The online chat then proceeded to close the chat. I was never notified previously of suspicious activity or suspension via app or email. 

I reattempted this several times and was met with the same response. I called the support number and found that my number has been blocked with a pre-recorded message which reported the same message I had received from support ; 'Your account has been suspended and you will be contacted by a specialist '. 

It is now the XXXX, and I no longer have access to the card via the app, the card has been removed from my account and I am frozen out of my own account. Further research into similar issues shows a history of never resolving the issue. 

I also have gone to the bank that N26 uses in some way to provide financial service in the U.S. and despite the information provided on the N26 website, XXXX seems to refute those claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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:
THE INQUIRIES LISTED ARE NOT AUTHORIZED BY ME AND THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. THESE INQUIRIES WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. THEY PREVENTING ME FROM ACQUIRING NEW CREDIT AND I WOULD LIKE TO HAVE THEM REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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: Old information reappears or never goes away

Complaint:
This complaint is in reference to a time-barred student loan reportedly opened on XX/XX/XXXX, which went into default in XXXX. 

This account is reported multiple times on all three credit reports as separate names. See below for multiple names. Also indicated, is which credit report the account is on. I have also attached my credit reports for reference. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Through many  dispute attempts, I was unsuccessful in removing the duplicate accounts. Experian is the only updated bureau. 

There has never been a payment or payment agreement on this loan, nor any additional documented activity. Therefore, this loan is past the statute of limitations, and due to the age, ten years, should also have been removed from my credit reports. 

If there is documented proof that the statute of limitation was reset, I am formally requesting the proof. If I do no receive this information, I will consult legal representation.

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 2020-05-12
Company: CL Holdings LLC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX - {$430.00}, contacted them to send a verification of debt and haven't received anything. 

XX/XX/XXXX - {$430.00} - Have not received the verification that was requested. It is reporting through the credit bureaus and I am requesting verification of the said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX - Mailed an 11-Point Affidavit titled " Conditional Acceptance of Debt Upon Proof of Debt Validation '' regarding account number XXXX via Notary Presentment/Certification of Mailing ( c/o XXXX XXXX XXXX / Minnesota Notary Public, sent Registered Mail # XXXX ) to XXXX XXXX c/o Navy Federal Credit Union at XXXX XXXX XXXX XXXX, XXXX, VA XXXX which was never responded to. Additionally, an agent/representative of Navy Federal Credit Union subsequently updated and " verified '' the information regarding the same account which is currently still being reported to all 3 major credit reporting agencies ( XXXX, XXXX, and XXXX XXXX with failure to provide proof of method of verification. [ Attached ]  Previously, on XX/XX/XXXX, XXXX XXXX d/b/a Navy Federal Credit Union was mailed an Affidavit of Notary Presentment, Notice and Demand for Complete Audit Trail ( Jurat ), as well as a Non-Negotiable Notice of Adequate Assurance of Due Performance via USPS Certified Mail Number XXXX which contained a pre-filled Affidavit that was never completed, witnessed by a Notary, and returned. [ Attached ] One month later on XX/XX/XXXX, a Certification of Non-Response/Non-Performance was sent to XXXX XXXX d/b/a Navy Federal Credit Union via USPS Certified Mail Number XXXX. [ Attached ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: NJ
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:
I have late payments that are not late which is effecting my credit score. Which is not fair

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