BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
illegally removed over {$490.00} my from Account held at USAA. Never received full amount. Used my fund for XXXX XXXX ; XXXX and other corporations and Union without my consent; not excluding using my account to establish illegal and criminal financial trust account. to include purchasing vehicles known as classic cars for personal gain over the past 25 years ; moreso since the Creation of USAA in 1996.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi i have been wrongfully charged for an unknown debt from Discover bank which is in the amount of {$810.00} on the XXXX of XXXX through Mail I received. I have no connection with the said debt and would like to dispute it immediately. Also I request the company desist from sending me Mails or Emails or even Phone calls regarding the so-called debt which is wrongfully in my name. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed numerous complaints regarding the reporting of my XXXX XXXX account, ending in XXXX. Since the bank refuses to remove the account from my reports, as they promised to, if I paid in full. I have since paid in full but now they will not remove the account. Since the account will not be removed from my report, I would at least like for it to reflect correctly. This account is no longer in collections, has it is stated on my report. I have PAID IN FULL. However, the account status on my report still say collection/chargeoff. I would like to have the account status to reflect " closed/paid ''

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 2020-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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:
Capital One is continuing to report a fraudulent account to my XXXX  credit report. I am a victim of ID theft and have sent my ID docs, ftc affidavit, id theft report and all required information to both them and XXXX  along with my 605b FCRA request to block this fraudulent information from my report. ( XXXX  and XXXX  have complied already ). 

Capital One is claiming they can not contact me which is a lie because they have all my information and also there should be no reason to contact me if they were in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My attorneys office had sent a letter to portfolio recovery. Since the letter has been sent ( early XX/XX/2020 ) I have received about 18 calls from them. I have to ask why they are calling me. Is all I get is who they are personally. Not who they represent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I tried to buy PPE from a site, XXXX and they take PayPal. The site appears legitimate but upon further review is known to fail to deliver on their products. I tried to have PayPal stop the transaction but nothing happened and the charge went up from {$61.00} to {$70.00} for the purchase which makes it even more suspicious. Please tell PayPal to shut down this merchant and refund the money - there are many complaints about this site. It appears to be based in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
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: Information belongs to someone else

Complaint:
I noticed that they are reporting late Payments on accounts that were never late which violates my consumer rights For reporting Fraudulent information XXXX XXXX Remove Inaccurate Credit Information In accordance with the FAIR CREDIT REPORTING ACT Act this creditor has violated my Rights! 
Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''.

Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. 
By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months receipt of this letter, or you must remove the incorrect information.

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 2021-10-17
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XXXX XXXX has been acquiring synthetic identitys for years using various addresses, defrauding several banks and credit card companies. Her real address is XXXX XXXX XXXX XXXX XXXX Il XXXX her real social is XXXX. Here are a few of the addresss shes used to get her cpns XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. I will attach emails between her and the lady who created the synthetic identitys for her as well as a copy of her fake social security card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: EQUIFAX, INC.
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 have information reported on my Equifax credit files and can not access it in order to challenge it as I was affected by the data breach of 2017 and my file is henceforth inaccessible. 

the information contained in the file has numerous grossly inaccurately reported items which have to be investigated and removed, Equifax has this data listed and I need this looked into. 

The accounts that follow are the principal accounts even though their are duplicated accounts from the same companies : XXXX XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX XXXX. account number : XXXX XXXX XXXX. account number : xxxxx XXXX XXXX XXXX XXXX. account number : XXXX XXXX XXXX. account number : XXXX XXXX XXXX. account number XXXX XXXX XXXX. account number ( XXXX ) : XXXX XXXX The redacted account numbers are as they appear inside Equifax. 

I have asked them to look into this via Web Mail disputes and have not had the help required. Their are numerous accounts reported in error and I am requesting the right to dispute them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: ENCORE CAPITAL GROUP INC.
State: LA
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 mailed the following letter to Midland Funding and have not yet received a response. Please see correspondance below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Midland Credit Management, This letter is a formal complaint that you are reporting inaccurate credit information. The report I received contains a series of items that should not be on my profile. The account in question are listed below. Please send me a copy of the signed contract I have with you to do business. Please send me complete documents that you used to calculate any and all amounts you say that I owe you. 

If you do not have any documentation in your files to verify the accuracy of this disputed account, then please delete it immediately and all negatives effects that have impacted my credit. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, ALL UNVERIFIED accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 


MIDLAND CREDIT MANAGEMENT OPENED XXXX {$1000.00} XXXX XXXX XXXX Thank you for your cooperation in and prompt response in resolving this matter. 



XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Credit Control, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Control LLC doesn't have a license for the state of NJ to collect a debt which is illegal. Credit Control LLC violated federal law under the FDCPA the company needs my direct consent to contact me directly regarding an alleged debt 15usc 1692c ( a ). Credit Control LLC said I owed a debt which is a violation of 15usc 1692b ( 2 ) which they can not! Credit Control LLC is in violation 15usc1692a ( 4 ) a debt collector who's in the business in attempt to collect a debt. I am the creditor says 15usc 1692a ( 4 ).

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 2021-10-17
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After receiving my consumer report from Equifax, I noticed a few fraudulent inquiries and accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating claim and disputing the fraudulent inquires and accounts, Equifax is still reporting the negative/inaccurate accounts on my consumer report. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, Equifax willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, Equifax is civilly liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX from Easy Money called my job. An employee, XXXX, told her that I wasnt available and to not call here again. XXXX replied if XXXX doesnt want us to call then she has to call and talk to us. XXXX again told her to not call the office again. XXXX hung up on her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Collection Management Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX, 2023, Collection Management Company, opened a collections with the credit bureaus in the amount of {$1900.00} for supposed emergency services. I have no knowledge of this account, and insist most stringently that this account does not belong to me. On XXXX XXXX, 2023, I filed a dispute with XXXX Credit Bureau. On XXXX XXXX, 2023, I filed an additional dispute to include " fraud. '' My suspicion is that there is someone who is periodically receiving emergency services while using my name and personal information. My suspicions are supported by the fact that this has happened on XXXX other occasions for supposed " emergency services, '' whereby I filed disputes. My disputes were validated, and the instances were stricken from my credit report due to them not belonging to me. 

I have never received any collection notices, nor have I received mail, phone calls, or any other attempts to collect this debt. The first I learned of it was through my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Navient Solutions, LLC.
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: Information belongs to someone else

Complaint:
The company has delinquent payments. I called to put my student loan in forbearance and the negative payments were supposed to be changed and not reflect negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is reporting to my credit. They have be asked several times to furnish via FTC and myself to provide documentation they have not complied with this lawful order. The company is in violation of Unfair deceptive debt collection practices for failure to comply with the FTC notice to furnish and continuing to report to all three credit bureaus and will not supply the documents requested. Per FTC regulations they have 30days to supply documentation they refuse. Company was notified of identity theft XXXX/2020. This is not a duplicate complaint this company continues to report resulting in valid use of the CFPB processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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: Credit inquiries on your report that you don't recognize

Complaint:
These are not companies I signed up for yet they're giving missed payments that I was not recognized for please remover any missed chargers or collections from these 3 companies I did not sign up for. Thank you! 

XXXX ) XXXX XXXX XXXX, XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Original creditor, XXXX ) XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-07-05
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account was sold to a 3rd party. That 3rd party is and was reporting to the credit bureau. I have tried to resolve this with the org company and they have continue to tell me to call the 3rd party. The 3rd party is not the one reporting Inaccurately. This is preventing from me getting a mortgage and needs to be resolved 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 explanation
Consumer complaint received 2023-07-05
Company: Credit Karma, LLC
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I keep getting emails & notifications saying my credit score increased yet it never reflects on my credit report. Credit Karma seems to be involved in fraud and lying to consumers. Their business practices are shady and they dont ever respond

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card with CitiBank on XX/XX/XXXX. The representative informed me that my application was denied due to too many recent credit inquiries recorded on my XXXX credit bureau report. 
I knew that this was completely erroneous, and that I was unreasonably and immorally denied ; so, I re-checked my XXXX account for status on inquiries and also called XXXX customer service center for clarification. 
Both methods proved there has been a total of only three inquiries in the entire year of XXXX and only one inquiry in XXXX : Two onXXXX One on XX/XX/XXXX One on XX/XX/XXXX After checking these, I called back to CitiBank and spoke to a representative in the applications department to explain that my application had been denied in error with reason being too many recent credit inquiries. His response was If you were denied, there is nothing that I can not do if you do not have an open account. I asked to speak with a supervisor. He placed me on hold and left me there. I held the phone and finally hung up after about 15 minutes. No one from Citibank even attempted to resolve the issue.

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 2020-07-14
Company: EQUIFAX, INC.
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 is missing that should be on the report

Complaint:
I have been monitoring my credit report and notice that my credit card XXXX XXXX wasn't being reported on my Equifax credit report, but was showing up on the other 2 credit bureaus reports. It was there previously and for some reason was removed. I called XXXX XXXX first and they explained to me that they report every 30 days to all 3 bureaus and couldn't understand why it wasn't there. I then called Equifax who told me that they only get what is being reported to them and there wasn't much they could do and to call back XXXX XXXX. I did my research and looked back to when I purchased 3- bureaus reports through XXXX. In XXXX of XXXX  my XXXX XXXX card was reporting to Equifax as well as the other 2 bureaus. In XXXX of XXXX  it was gone from Equifax for whatever the reason but still reporting to the other 2 credit bureaus. It hasn't been on my Equifax report since and it's effecting my credit score without the positive payment history I have with that credit card over that time frame. It wasn't until i was getting my credit together to try to purchase a house did I notice this vital information missing from Equifax, especially being I just paid the card down and was looking for the results on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit report and seeing Portfolio Recovery I had contacted him to provide an original contract between me and them. They never verify the debt. I called PORTFOLIO RECOVERY looking to settle this unverified debt. I told them due to covid I am not working but still tried to settle the account for {$200.00} and they told me no. 


So I decided to call XXXX XXXX XXXX  XXXX XXXX  who they claim are the original owners and they indicated to me that the account has already been paid off and is closed. 

Please forgive the negative remark made on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My credit report is inaccurate I have an updated list of missing items on my credit report. 
I need all my my credit reports to reflect the same info I need all inquiries removed.

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