BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
A hard inquiry was done to my credit report from capital one, and I have not applied for any capital one I already have two that are active

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Provide all billing statements dating back to the opening the account. Account for all fraudulent charges and fees place on my account. Account for every payment that has been made on this account. Provide any receipts or documentations for every charge made to this account. Any charges made to that account outside of XXXX XXXX need to be further investigated. Provide any documentation that justifies the current balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been dealing with portfolio recovery is associates for quite some time now this is the second time since XXXX XXXX that they have close my accounts and then re-open them without my notificatioinhace proof I was not Notified of them opening my account back up after closing all of them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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:
This account has been reporting for XXXX months, with no information given, and no investigation completed per 15 USC 1681eB shouldn't be reporting as I also never gave permission. This XXXX XXXX XXXX XXXX ) account was also re-added and I was never given XXXX  days prior notice. I mentioned this and it's still reporting and only being updated. This is entirely incorrect, and false and I want to be removed. See attached 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 2023-03-09
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This credit card was with XXXX XXXXXXXX bank they sold my personal information to a third party without my consent according to USC code 5 usc 1681 section 602 right to privacy 15 usc 1681 section 604 ( a ) can not furnish a account without my consent or instruction my rights are being violated and my selling my personal to a third party in which that is identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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: Account status incorrect

Complaint:
Company reported my loan XXXX XXXX XXXX XXXX loan XXXX, when 30 days delinquent when i have made payments on time and informed immediately about Covid-19 impact. XXXX is practicing predatory lending practices ... i trusted them to use their credit builder loan to help me it is destroying my credit at a crucial time. I have made payments on time. XXXX XXXX is causing irreparable harm to my XXXX  credit report by falsely and fraudulently reporting my loan as 30 days delinquent..When i have making payments on time! I have sent screenshots that show my loan is current. They are destroying my progress. I trusted XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: U.S. BANCORP
State: MI
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 called and emailed US Bank AND started a dispute with all the major credit reports. I did NOT have a 30 day late in XXXX. I was sent a second card, not know that I was paying on the wrong account. They reimbursed me each item and it took a few months for me to figure out what was going on. My lease is up and I need this off all my reports asap! I CAN NOT have this on my credit report until XXXX as stated below. I have NEVER made a late payment, as you can see by looking at my credit report. Please, please, somebody get this 30 day late off of my credit reports, please. Below see results for Transunions investigation ; INVESTIGATION RESULTS - DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED A change was made to the item ( s ) based on your dispute and other information has also changed. 
US BANK # : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , MO XXXX ( XXXX ) XXXX We investigated the information you disputed and updated : Date Updated ; Payment Received. Here is how this item appears on your credit report following our investigation. 
Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : FLEXIBLE SPENDING CREDIT CARD Balance : {$0.00} DateUpdated : XX/XX/XXXX Last Payment Made : : XX/XX/XXXX High Balance : {$180.00} Credit Limit : {$11000.00} Pay Status : >Account 30 Days Past Due Date< Terms : Paid Monthly Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX >Maximum Delinquency of 30 days in XX/XX/XXXX and in XXXX Remarks : ACCOUNT CLOSED BY CONSUMER ; CLOSED Estimated month and year that this item will be removed : 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 2019-05-20
Company: Experian Information Solutions Inc.
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:
Requested the following information from XXXXXXXX XXXX XXXX XXXX. This is the second attempt 1. The bill of sale between XXXX XXXX XXXX XXXX and buyer. Never received any Notice of Deficiency. 
2. How were the amount calculated expenses incurred in retaking vehicle on a account filed in bankruptcy ( Chapter XXXX )? 
3. The amount generated of the amount of credit to my account. Including any payments received since date of item # 1 above other credit to which is entitled, including rebates on rebates. XXXX or credit services charges or ancillary products such as a Gap contract of XXXX 4. Do your company have a license to practice in Pennsylvania? If so, please provide the number? 

Made several attempts to correct this issue with your company. The investigation was concluded which your company arrived this erroneous decision. In addition, requesting all contact information of employees who took part in the process.

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 2023-02-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX, is improperly calculating my FICO Score 1. The date you opened your oldest bankcard or credit card account is too recent 2. Lack of sufficient credit history 3. Lack of sufficient relevant real estate account information 4. Balances on bankcard or credit card accounts too high compared to credit limits

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 2021-09-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank closed my account and withdrew the remaining balance on XX/XX/2021. They sent me a letter and email stating my account will close in 30-60 days on XX/XX/2021, and any funds in my account after it is closed ( {$26000.00} ) will be sent to me in a form of a check after account closure. It has been over a month ( XX/XX/2021 as of this writing ) since my account was closed and the money was taken from my account but I still have not received any funds, and they are putting the money in one of their accounts to earn interest off it. I want this garbage of a bank to give me my money back and another ( {$15000.00} ) held in another account back to me.

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 2019-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Requested the following information from XXXX XXXX XXXX XXXX. This is the second attempt 1. The bill of sale between XXXX XXXX XXXX XXXX and buyer. Never received any Notice of Deficiency. 
2. How were the amount calculated expenses incurred in retaking vehicle on a account filed in bankruptcy ( Chapter XXXX )? 
3. The amount generated of the amount of credit to my account. Including any payments received since date of item # 1 above other credit to which is entitled, including rebates on rebates. XXXX or credit services charges or ancillary products such as a Gap contract of XXXX 4. Do your company have a license to practice in Pennsylvania? If so, please provide the number? 

Made several attempts to correct this issue with your company. The investigation was concluded which your company arrived this erroneous decision. In addition, requesting all contact information of employees who took part in the process.

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 2019-02-17
Company: Risecredit, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed for Chapter XXXX Bankruptcy in XX/XX/2018. A Rise Credit loan ( loan  # XXXX ) in the amount of {$4000.00} was included in my petition. In spite of the Automatic Stay, Rise Credit is continuing to collect this debt : On my XXXX  credit file Rise Credit is continuing to report this loan as ( 1 ) Current Status : " delinquent, '' and ( 2 ) Description Remarks : " Bad Debt/Placed for Collection. '' I have now disputed this account TWICE with XXXX, but Rise Credit keeps verifying their reporting as accurate, in violation of the automatic stay afforded debtors in Bankruptcy Code 11 U.S. Code 362. 

I am requesting that Rise Credit update the account language and descriptors on my XXXX file to read : " paid as agreed '' or " unrated '' AND " Chapter XXXX Bankruptcy. '' Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Jonathan Neil & Associates, Inc
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Saturday, XX/XX/XXXX, I received a letter from John Neil and Associates, Inc, a debt collector, attempting to collect a debt stemming from an auto accident the company states I was involved in. 

I have been continuously insured with my insurance agency for years, with no lapse in coverage. I have never been the involved party in any auto incident, nor have I ever been ticketed or cited for traffic violations. 

In said letter, they threaten to " review the case '' and seek judgment with the State of Kansas to suspend my license for damages relating to said incident. 

In the letter that was sent, no mini-Miranda can be found anywhere stating that the communication is from a debt collector. 

On Monday, XX/XX/XXXX, I received another letter, this time from the " Law Offices of XXXX XXXX XXXX, XXXX '', with a return address listed as a private residence in XXXX XXXX, California. 

The letter is *exactly* the same as the previous letter, albeit supposedly coming from a different law office. 

This second letter also does not disclose that the communication is from a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: CREDIT ACCEPTANCE CORPORATION
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: Investigation took more than 30 days

Complaint:
Requested this information and still nor response. Notice of Deficiency After carefully reviewing the notice in the amount of XXXX as of XX/XX/XXXX. The amount received from disposition of the vehicle was XXXX ; and the remaining is XXXX per your documentation. After credits of XXXX per gap insurance, the remaining the company stating, Im responsible for is XXXX. 
As a consumer, Im exercising my rights under the 1977 Fair Credit Report Act. I hereby, requesting the accuracy of reporting. 
1. The bill of sale between Credit Acceptance and XXXX XXXX of XXXX. 
2. How the amount was calculated expenses incurred in retaking a vehicle on a closed account? 
3. The amount generated of the amount of credit to my account. Included any payments received since date in item 1 above other credit to which is entitled, including rebates on a 2011 XXXX or credit service charges or ancillary products such as a Gap contract of XXXX 4. Do your company have a license to practice in Pennsylvania? if so, please provide the number.

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 2017-11-17
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: Account status incorrect

Complaint:
On XX/XX/XXXX I submitted my FTC Affidavit, notarized and signed, with the police report number. 

XXXX responded XX/XX/XXXX and updated the information on my credit report that was due to fraud they sent a letter saying that the items were removed however they have been reappearing since XX/XX/XXXX on my credit report and XXXX told me to put a Freeze on my report which I did but the two accounts and three collections are still showing on my report as of XX/XX/XXXX. 

XXXX responded XX/XX/XXXX and said that I did not send the proper information to my FTC Affidavit but I sent the affidavit, notarized and signed by the police report number. They then said that I needed to submit additional documentation as far as my passport, ID or SS # and I submitted all three : The four collection accounts and six accounts due to ID theft on my account are still showing on my report as of XX/XX/XXXXand XXXX has not responded. 

Equifax responded on XX/XX/XXXX and removed the accounts, and appeared on XX/XX/XXXX they were showing again and, the rep I spoke to in the fraud department said it was a glitch in their system it was removed XX/XX/XXXX and was not showing any of the accounts due to fraud now as of XX/XX/XXXX three accounts are back showing that were due to Fraud. 

I have attempted since XX/XX/XXXX to get the items removed that were due to ID Theft and submitted the proper documentation for each bureau and nothing has been doing by the credit bureaus. As results, my credit scores consistently fluctuate and the fraud departments are saying that I have to go through a dispute process. 

Why would I need to go through an additional dispute process when I have submitted the proper documentation? Why would they remove the items send me an updated copy and letter stating they would and, then reappear and blame on computer systems. 

I am now seeking assistance and felt like I needed to file a complaint almost a year dealing with reoccurring issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account has been froze by Bank of America I have money in account they will not give me Im about to be evicted and disconnected power notice I have {$1700.00} in this account that they will not release Im at my breaking point I have a three year old and I dont wan na be homeless

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 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
My name is incorrect on my credit reports I also asked that a personal note be put on all 3 creit reporting agencies stateing that in the past 2 years I have been undergoing XXXX Treatments. I am now XXXX free and back to work

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 2018-03-15
Company: Experian Information Solutions Inc.
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:
my last student loan was in XXXX. Those with XXXX XXXX were privately funded and should be removed as having expired. The balance on all loans should be XXXX, as all loans were discharged in XXXX of 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 2017-11-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am attaching the letter that I sent to the credit bureaus on XX/XX/XXXX, requesting a credit investigation. I have yet to receive my responses. It has been over 100 days since I mailed my letter, and they were supposed to respond within 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 2018-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES 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 opened two lines of credit with XXXX  XXXX in 2015 ... those were indeed mine ... A few months later I found out that someone else used my information with a different social security number to open another one. I contacted XXXX XXXX to inform them of this and they refused to remove it from my credit history, instead they added another social security number to my credit report which I have never been associated with!!! I am now being harassed my debt collectors with regard to a card that I never applied for. My information was one of the many that was compromised when these companies were hacked and this needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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: Account status incorrect

Complaint:
A hard inquiry was done to my credit report from XXXX XXXX and I have not applied for any XXXX XXXX I already have two that are active

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of American generated a statement for my credit card on XX/XX/XXXX. The statement shows the term as XX/XX/XXXX - XX/XX/XXXX. The new balance showed as $ XXXX. The payment due shows as {$230.00} due by XX/XX/XXXX. 

I scheduled a payment that day for {$96.00}. It posted to my account on XX/XX/XXXX, and Bank of America shows that payment as part of the next billing cycle on their website. After that I made payments of {$19.00} on XX/XX/XXXX, and {$150.00} on XX/XX/XXXX, for a total of {$260.00}. BofA also made a credit of {$0.00} on XX/XX/XXXX for " interest Ref BT XX/XX/XXXX ''. As of XX/XX/XXXX, BofA shows a balance of $ XXXX ( {$260.00} less than the starting balance ). No charges were made to the credit card during the period. 

On XX/XX/XXXX I called Bank of America asking why my account said I still owed them {$64.00}. I was told because I set up the payment on XX/XX/XXXX, even though it didn't show on the last statement, and is clearly showing on this months activity, their system wasn't counting the payment as being part of this period, and therefore I still owed them more money to meet my minimum payment. I scheduled another payment of {$65.00} on XX/XX/XXXX, which as of XXXX PDT XX/XX/XXXX is still showing as in progress on my checking account, and has not yet posted to my credit card. On XX/XX/XXXX a late fee of {$28.00} was added to my credit card 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 monetary relief