BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-21
Company: ACS Education Services
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
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: Their investigation did not fix an error on your report

Complaint:
I have called and faxed to TransUnion explaining that I am a victim of Identity theft but they continue to report these accounts after receiving proof that these accounts do not belong to me. I have faxed my ID, social security card, police report & identity theft report for these things listed on my report. I want these items deleted from my report for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX/XXXX XXXX XXXX. I have told you that I never lived at two addresses that I asked to be removed and it not on my drivers license nor have I lived there ever 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 2020-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Portfolio Recovery Associates is a deplorable operation that breaks every rule pertaining to actual debt ownership and legal enforcement procedures. 
CASE NUMBER : XXXX I XXXX XXXX submitted a written answer to the above referenced lawsuit earlier this year. I along with the rest of America have been trying to surround a pandemic, and I deserved at least a hearing pertaining to actual ownership of any acquired debt by Portfolio Recovery Associates LLC. If I was granted at least a hearing I would have demanded true copy ordinality of ownership of any debt acquired by Portfolio Recovery Associates, LLC. I claim that no such documentation exists in the file contained with your court. Portfolio Recovery Associates LLC has throughout the last decade ben a defendant on multiple class action lawsuits collecting on phantom debts. If there is not true copy original documentation relating to ownership, then this debt should never have been considered enforceable. 
I would be granted relief in a federal court, but there simply is not a {$75000.00} standard on damages. I am however right in my position that this default judgment is unwarranted. 
II. LEGAL STANDARD Under 28 U.S.C. 1441, a defendant may remove " any civil action brought in a State court of which the district courts of the United States have original jurisdiction. '' A federal court has original jurisdiction over a civil action where there is complete diversity among opposing parties and " the matter in controversy exceeds the sum or value of {$75000.00}, exclusive of [ *4 ] interest and costs. '' 28 U.S.C. 1332 ; see also Carden v. Arkoma Assocs., 494 U.S. 185, 187, 110 S. Ct. 1015, 108 L. Ed . 2d 157 ( 1990 ). Typically, a defendant must file a Notice of Removal of a civil action within thirty ( 30 ) days of receiving the complaint. 28 U.S.C. 1446 ( b ). However, where it is not evident from the face of the complaint that a case is removable, " a notice of removal may be filed within thirty days after receipt by Defendants... of a copy of an amended pleading, motion, order or other paper from which it may be first ascertained that the case is one which is or has become removable. '' 28 U.S.C. 1446 ( b ) ( 3 ). Additionally, when a case is removed, " all defendants who have been properly joined and served must join in or consent to the removal of the action. '' 28 U.S.C. 1446 ( b ) ( 2 ) ( A ). 
I demand the vacate of the default judgment and I will take this insult to the Texas judicial system to the Federal Trade Commission and the Consumer Financial Protection Bureau. The law firm involved in this injustice will have to answer to the Texas Bar Association. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom XXXX : I've tried to correct a bogus address on my XXXX credit score numerous times thru the XXXX XXXX XXXX agency reporting system. They consistently state I need to contact some lender however never state who nor do I know the origination of how the address became attached to my account. I've lived at the same address for over 40 years however they wont get off the dead XXXX 's and help correct the problem. I believe they have an out right obligation by law to do so as quickly as possible with out hesitation however they fail too react until I complain to the FTC as I have before regarding inaccuracies. Please help me get the message across when a consumer identifies an issue its their obligation not mine to correct it. I look forward to your prompt return response and full resolution regarding this issue. I'm also requesting to be provided my free full and accurate annual credit reporting score. 
Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: BARCLAYS BANK DELAWARE
State: WY
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:
I requested a credit line increase online, and never once did it say that they would be doing a soft inquiry on my credit report, yet alone a hard inquiry that would stay on my credit report for two years. I requested the increase on Sunday XX/XX/XXXX through their website. I tried to call the company on Monday XX/XX/XXXX and they were very dismissive and just said that it was in the credit card disclosures that they would have a hard inquiry pulled, which I am only assuming is buried on their website somewhere, not on the actual page that you request the credit line increase on. 
the company is as follows : Brclysbankde XXXX, DE XXXX ( XXXX ) XXXX I work for XXXX XXXX and it was very clear in our training on credit cards and loans that to adhere do the FCRA, that this needed to be information that was passed along to the customer : that there would be a hard inquiry on their credit report so that their credit information could be obtained to be reviewed. I never saw anything even suggesting that my credit report would be pulled, I thought I was just going to be approved for the credit line increase based on having a good history with the company. 

It seems like they were hiding this information on their website and not making it very clear as to how the credit report would have a hard inquiry on it. I would like for the hard inquiry to be removed from my credit report as soon as possible

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 2021-09-14
Company: ADP Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Adp says that i owe them money. I called to try to take care of the issue but they wont access my account without information i dontnhave access to. I repeatedly transferred to the customer service department. I asked ti speak to a manager and wqs transferred to the wrong department multiple times. I dont have time fkr this. This company needs to get their act together

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: GA
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:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom Concerned : I've tried to correct a bogus address on my FICO credit score numerous times thru the XXXX XXXX XXXX agency reporting system. They consistently state I need to contact some lender however never state who nor do I know the origination of how the address became attached to my account. I've lived at the same address for over 40 years however they wont get off the dead XXXX 's and help correct the problem. I believe they have an out right obligation by law to do so as quickly as possible with out hesitation however they fail too react until I complain to the FTC as I have before regarding inaccuracies. Please help me get the message across when a consumer identifies an issue its their obligation not mine to correct it. I look forward to your prompt return response and full resolution regarding this issue. I'm also requesting to be provided my free full and accurate annual credit reporting score. 
Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA 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 2021-05-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the XXXX day. I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 XXXX a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My knowledge was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: AMERICAN EXPRESS COMPANY
State: UT
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:
American Express is reporting a debt on my credit file that needs to be removed. I recently took a look at my file and noticed that this debt is reporting on my file. I called and immediatley settled the debt with them. I however, never received any calls or notices about this debt which violates my 30 day right to dispute under the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Utah Billing & Recovery Services
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OnXX/XX/XXXX I received a letter from Utah Billing & Recovery Services on behalf of XXXX XXXX XXXX ( XXXX ) that a claim had been placed with their office against me for {$420.00}. 
In XX/XX/ I had ordered a tshirt from XXXX through their XXXX page for {$39.00}. I was not allowed to select a size. I contacted the seller via email and stated that I had placed an order and that I needed an XXXX and could they please contact me to verify they received my information. Several days went by with no response. I then tried calling the seller and the call would never go through as if the number was disconnected. Thinking I had been the victim of a scam I contacted XXXX since the transaction was through them. I explained the situation and they opened a case. That same day I received an email from the seller berating me for contacting XXXX. The seller threatened to have me charged with bank fraud and have my credit ruined. I responded that I wanted the merchandise and that I just needed to let him know the correct size. I did not hear back from the seller. About a week later I received a shirt in the mail. It was a XXXX not the XXXX I had asked for. The invoice stated " no size specified ''. At this point I was done with the issue and gave the tshirt away. Shortly after receiving the tshirt I was contacted by XXXX. They asked if II had received the item. I explained I had and though it was the wrong size I was done with the matter. On XX/XX/, according to my bank records, the {$39.00} was released to XXXX. XXXX closed the case on XX/XX/XXXX 
On XX/XX/ I received the letter from the above mentioned collection agency. 
I am reporting the collection agency for not verifying any information before taking a case against me. They have a responsibility to not take fraudulent cases from unscrupulous businesses. A quick internet search revealed that this is a common practice for XXXX. The collection agency could easily find this information as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
So basically what happened was I was notified that my account was being closed because of a return check that totally wasn't my fault and everything I called the bank tried to fix it and everything they said they were going to take their fees which they already have and my account was going to be close by the XXXX and I'd have my funds now I'm being told they don't know if I'm going to get my funds and when the account going to be closed

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 2017-11-24
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX XXXX, my email address is XXXXXXXXXXXX. On XX/XX/XXXX, I deposited a United States FEMA check with Regions Bank for the amount of {$95000.00}. I received {$300.00} in cash, a hold was placed on {$4800.00} until XX/XX/XXXX and for the balance of {$90000.00} a hold was placed until XX/XX/XXXX. I am objecting to the last hold on the {$90000.00} until XX/XX/XXXX. This is the age of computers. The bank will have these funds available on XX/XX/XXXX. Thus Regions is earning free interest, while depriving me of my legal money until XX/XX/XXXX. I want this hold removed immediately and my money available on XX/XX/XXXX. I also want the bank to rescind all holds of this type for the future. There is no reason for a 10 day hold on any transaction in this day and time. As I said, this is the age of computers and Regions will have its money available next business day.

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 2020-05-03
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2020 I contacted the three main credit bureaus and the individual debt collectors about debts that are on my credit report that I am not familiar with.

The three credit bureaus responded that these accounts were verified, but could not tell me how they were verified or what information and documentation was provided to them to verify these negative accounts. 

In XXXX of 2020, I contacted each debt collector directly via letters that were sent by USPS and by phone. None have sent any documentation showing that these are my accounts. I have only been provided with an account statement showing a debt. 

Because of all the fraud that has taken place throughout the world I am asking for documentation showing these debts are mine. Not an account statement. If these are indeed mine, they should be able to provide me with this information. 

After contacting my attorney, in order to move forward with a lawsuit - I will be sending another letter via Certified Mail to each company involved. If these accounts aren't removed or original documentation provided we will move forward with our legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: Southwest Credit Systems, L.P.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company reported debt owed and references Attorney on credit report. Did not notify me. I do not owe XXXX XXXX and closed any money on this account. There was no debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Bread Financial Holdings, Inc.
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: Account status incorrect

Complaint:
The 3 Credit Bureaus is reporting inaccurate information on CB/VICSCRT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Saint Services LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I hire Credit Saint for repair my credit, they offer me the best package for initial payment of {$190.00} dollars and $ XXXXmonthly payment after that.

they told me if after 90 days no result they return the money when the 90 days my account still almost the same they remove 3 items on XXXX the same in XXXX nothing in XXXX when I called at 90 days they told me wait for another 45 days to remove for items they schedule a call at XX/XX/XXXX XXXX ; XXXX XXXX but nothing was removed still the same. when i tried to cancel a manager called me telling they don't return the money because they working on it and suddenly appear in the web site of them XXXX items removed on XXXX and XXXX XXXX around 6 We started on XX/XX/2022 they collect the first payment of {$190.00} XX/XX/XXXX second payment XX/XX/XXXX {$110.00} Third payment XX/XX/XXXX {$110.00} Fourth payment XX/XX/XXXX {$110.00}

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery Associates has called us repeatedly this past month ( XXXX 2017 ) about a debt they say I have with XXXX. I have explained to them that I do not have an account with XXXX and they have the wrong person or the wrong information and to stop calling me. I also asked that they send the alleged debt information to me via the USPS. I have not received anything, yet they have continued to call, each call from different telephone numbers and area codes, even after being told to stop calling me over and over again. One day last week, they called three times within one hour from three different telephone numbers. The most recent call was from phone number : XXXX. I have blocked every number they have called from so far, but from reading online complaints against this company, they supposedly use dozens of different numbers to call and harass people. Unfortunately, I did not keep a log of dates or numbers after blocking them, but this is harassment and it needs to stop. Again, I do not owe any debt nor do I have an XXXX account.

Company response to consumer: Closed with non-monetary relief