BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I ask at this time to terminate the lawyers that you hired to process a summary judgment against me, as this firm simply violated my right by not serving the necessary complaint. I am open to negotiate directly. Please feel free to call me directly, and leave a call back message in case I can't answer. I did call in with an agent and was given three different settlement offers, so your company is open to this. I also requested a true copy original of the Bill of Sale, showing true ownership of the debt. 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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account

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 2023-07-19
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I purchased a prepaid gift card on XX/XX/XXXX, from XXXX, my local grocery store in the amount of {$230.00}. After registering the gift card, I was scammed. I called the toll-free number, XXXX found on the back of the card, and they explained that they could not speak to me about the card because I wasn't the owner of the card. I explained to them that I purchased the card and have the card in my possession and that's when I discovered someone in Texas was using the card. The customer service agent explained that I needed to file a claim and to submit a copy of the front and back of the actual gift card, my receipt, and a copy of my drivers license to prove that I was the owner of this card. I faxed this information to ( XXXX ) XXXX. I followed up and they informed me that I needed to wait XXXX business days to receive the fax and process this information. I have been following up every since. At first, they said the picture were too small and illegible. I resubmitted a clearer copy of the card and my id. They received it and stated I needed to provide a larger copy of my id. I have faxed it over 4 times and continue to follow up. I feel as if they're giving me the run around now. I faxed the requested information on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and the issue is 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 monetary relief
Consumer complaint received 2017-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Contacted TransUnion via telephone to initiate Fraud Alert. Automated system forced me to listen to extensive sales pitch for TransUnion 's identity theft product. After I declined product had to listen to another sales pitch to confirm I did not want my identity protected. I know enough about this product type to know this is not a good product for me but other people may be conned into purchasing TransUnion 's product. TransUnion 's imposition of mandatory sales pitches to customers trying to protect themselves from fraud is dishonest and manipulative because it preys on a vulnerable demographic.

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 2023-10-03
Company: DISCOVER BANK
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX Discover credit card judgement {$5600.00}. XXXX XXXX XXXX XXXX garnishment starts 25 % of income XXXX request for hearing on garnishment XXXX garnishment lowered 15 % XXXX employment ended and {$3300.00} has been paid. 
XXXX discharge & release of garnishment XXXX  contacted XXXX XXXX XXXX. Was told account went back to Discover Bank. 
No further communication from Discover Bank. 
XXXX {$2400.00} still owed. Contacted Discovery bank to resolve debt in full but asked for a settlement amount. Was told account was in another department that only communicates via email. Was told a lawyer would have to be assigned to my account and I was to email name dat account number etc information, so I did. I received a confirmation email stating someone would email or call in 5-7 days. No contact. 10 days later I called back. This time I was told they were short staffed and it would be more like 14 days. This did not happen. Called again and spoke with a supervisor and was told she would put in a request to expedite my request. Every time I told them I was ready to pay that day and every time I was told that they could not take a payment from me. 
XXXX still no call or email from Discover. 
This has been handled unprofessionally and it it still on my credit report, which I have worked very hard to improve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On numerous occasions Ive asked for the information on this debt, its showing XXXX different amounts owed, but I have no idea where this debt originated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a {$29.00} Return Check Fee on XX/XX/2023 for insufficient funds for a payment on my Costco Visa credit card. I already tried to request a refund for this fee over the phone, but it didn't work out. I was hoping for a one time exception as a loyal customer with Citi Bank for years now. Looking forward to hearing from you soon.

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 monetary relief
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
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:
On XX/XX/2021 I mailed disputes to XXXX, Experian, and XXXX. As of the filing of this Complaint I have not received a response. I understand that this situation is highly unlikely since the Agencies are all separate entities. There seems to be a much larger issue that violating the FCA.

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 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/2021 I mailed disputes to XXXX, XXXX, and Transunion. As of the filing of this Complaint I have not received a response. I understand that this situation is highly unlikely since the Agencies are all separate entities. There seems to be a much larger issue that violating the FCA.

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 2017-10-03
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company: First Point Collection resourcesOriginal creditor: XXXX XXXX XXXX XXXXEveryday I receive 2-3 calls about "debt owed". I have nicely asked them to stop calling and the calls have not stopped.The calls started in XX/XX/2016an continue until present. I never authorized XXXX XXXX to release my account to a 3rd party which is violation of hippa. REMOVE MY ACCOUNTS FROM YOUR SYSTEM.The following amounts are being requested: XXXX, XXXX, XXXX. REMOVE THESE ACCOUNTS I NEVER AUTHORIZED FOR A THIRD PARTY TO HAVE MY ACCOUNT INFORMATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX or XXXX of this year I attempted to obtain a HELOC through XXXX XXXX XXXX. During that process, I was told that my credit score was too low to qualify for a loan. I asked what the reasoning was and they explained that there was a recent delinquent account on my credit that I was unfamiliar with. I asked the representative for a copy of my credit report which was denied. He explained that the creditor was XXXX and it was related to a travel/airline loan which I never applied for or obtained. At the beginning of XXXX I received a letter from a debt collector called " True Accord '', the letter is dated XX/XX/2023 and says I have an outstanding balance of {$3200.00} - which is approximately the amount that I was told that was being indicated as unpaid on my credit report. The " True Accord '' account number is : XXXX. As of today XX/XX/2023 I have filed a police report to document this identity theft. The officer who took the report was XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the report number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
THE CREDIT BUREAUS KEEP DISRESPECTING THE LAWS. I SHOWED THEM MULTIPLE TIMES OF HOW THEY ARE VIOLATING THE FAIR CREDIT REPORTING ACT. 

ACCORDING TO 15 USC 1681i ( 5 ) THE CREDIT BUREAUS SAID EVERYTHING WAS COMPLETE AND ACCURATE AND I ASKED THEM HOW IF THE OPEN DATE IS WRONG, BALANCE IS WRONG, PAYMENT STATUS IS WRONG, LAST PAYMENT WRONG, ACCOUNT TYPE IS WRONG. 

THEN I ASKED THEM TO PROVIDE ME DESCRIPTION OF THE INVESTIGATION ACCORDING TO 15 USC 1681i ( 7 ) AND THEY NEVER ID. I HAVE PROOF OF MY LETTER FOR THAT. 

ALSO, ACCORDING TO 15 USC 1681 S-2 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. 

THIS IS VIOLATION AFTER VIOLATION. THIS IS CAUSING ME STRESS BECAUSE I HAVE NO HOPE WITH THIS SYSTEM.

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 2023-08-10
Company: Velocity Portfolio Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX XXXX XXXX I received a collections letter in the mail from CKS Financial a debt collector for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The balance amount owed was {$900.00}. After calling CKS Financial, I found out that it was my stepmother that had actually taken this debt out in my name. Went to the police station made a report. I live in Ohio and have lived here for 5 years and at the time this account was opened in Louisiana. I thought once I sent the report to Louisiana that this was taken care of. I called the credit bureaus and let them know this account was identity theft. Two years later I receive another collections bill from over a year ago done by my stepmother did another account in my name. Went to our police department filed a report made copies sent out to all credit bureaus, debt collectors, filed a report on IdentityTheft.gov. It has been 16 days since I mailed a certified letter to XXXX XXXX XXXX with everything included. Police reports x 2, copy of my drivers license, letter disputing the debt. Have not received anything from them, my wife called this morning and all XXXX XXXX tell her was she had to contact CKS Financial. My wife called CKS 2x 's, they finally put an office manager on the phone for XXXXXXXX XXXX XXXX she told my wife that XXXX XXXX bought back the account from CKS debt collections due to it being a fraud case. My wife called XXXX XXXX and they keep telling her they can't help she has to contact CKS debt collectors. Between the both they are just giving us the run around. But XXXX XXXX XXXX is still on my credit reports as a debt that I owe. I have went on the identitytheft website and printed up their dispute letter along with the notice to Furnisher 's Information. I will mail this out tomorrow with certified mail, and make copies for my records.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to you with great urgency regarding the fraudulent accounts that appeared on my credit report, which were a direct result of identity theft. My wallet was stolen by an unknown assailant, which contained my personally identifiable information ( PII ) and my social security number. Despite my previous disputing efforts, XXXX has failed to remove the fraudulent accounts from my credit profile, causing significant damage to my creditworthiness and personal finances.

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 2019-12-23
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: Account status incorrect

Complaint:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS DEPT OF ED/XXXX XXXX DEPT OF ED/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 2023-07-19
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I totaled my XXXX  XXXX XXXX  I had gap insurance during the wreck and it should have been paid off. I gave them all the info they needed I had insurance through XXXX and additional gap coverage from XXXX XXXX XXXX. XXXX said they sent the check off to cover the amount on the car to closed the account threw BB & T. BB & T is saying I have to pay XXXX just to close the account.

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 2023-07-19
Company: Block, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On Sunday, XX/XX/2023, I logged into my CashApp account using the application and received a notice stating that my account had been closed. No warning just a notification stating that I violated the terms and agreements, after clicking on the link to see if it would give me additional details as to what I may have done, nothing clarifies why my account was closed. So, on on XX/XX/2023, I went through the customer support chat to ask what I did to violate the terms and agreements and if they could provide with that additional information or proof, the person in the chat only repeated what was on the notification which was a general/broad explanation, " you've violated the terms and agreements of Cashapp, that is why your account is closed... I don't have specific reasons why, but you can view our Cash Terms of Service. '' and once again was provided a link of the terms that I had already read prior to starting the chat. I then escalated the situation to a manager/supervisor, unfortunately, he was not able to give me any specifics for the closing of my account and didn't offer to reopen it. I've only used my account for personal situations ; sending money to family and friends in cases of emergency and to those who perform services on myself and family members, such as personal upkeep.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX day I tried to access my Banco Popular account online and it didn't exist anymore. I never received any notification about it being closed or why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax has not properly investigated the item below. I am requesting it be removed from my report pending a thorough review. 

ACCOUNTS U S DEPARTMENT OF ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I've sent a letter of dispute to Experian and they did not reply within the allowed 30 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 2023-11-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX {$9500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX I, XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/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 2019-12-23
Company: Navient Solutions, LLC.
State: WI
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:
Im having an issue, I looked at my score last month and it was XXXX now it is XXXX. I dont see anything on my report that would have effected it to that extent?!? Please help. 

Also I need to make sure there isn't a duplicated student loan that is still on here. Navient admitted to wrong doing and that they had duplicated my loan on my credit.

Company response to consumer: Closed with explanation