BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-04
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: Old information reappears or never goes away

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF YOU NEED MY AUTHORIZATION TO PROCEED, YOU HAVE MY AUTHORIZATION TO PROCEED. 

I, XXXX XXXX, consumer and natural person, have submitted a complaint through the CFPB of the collection account reporting on my credit report. The account is from XXXX XXXX XXXX XXXX XXXX XXXX with account XXXX XXXX XXXX 
The complaint. number submitted through CFPB is XXXX and complaint number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian will not respond to my requests to update my address information and remove the incorrect addresses that do not belong to me from my credit report. I want them to acknowledge my dispute requests and update my credit profile like they should. 


I have never lived at these addresses they do not belong to me ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-12-04
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
( Firstsource Advantage , LLC ) at ( XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) has been calling Me, for the amount of {$0.00}. After I ask multiple times to stop calling, I had to change my phone numbers 2 times so i could stop receiving calls, now they find my new number and they call then hang up. I do not know this company. I have never done any Business with this company. This company does not have a contact with my signature.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Credit card adverting rewards says " Get up to {$25.00} back as statement credits on inflight Wi-Fi purchases '' which suggests it's {$25.00} per flight, which is about how much it costs for most flights. The terms though say it's {$25.00} a year, which barely covers XXXX hours.

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 2018-01-22
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Mortgage company PHH, located in New Jersey sent me a letter stating that due to my equity in my home ( {$300000.00} ) and my excellent credit I qualified for a refi at a terrific rate, please call. I called because this would also pay off my bills. I talked with an agent XXXX XXXX. My main question was " whats the interest rate '', I believe currently I 'm at 3.84 %. He had to have my SS number which I hated because it will show on my credit report. He looked and came back with a little over 4 %. I agreed to proceed. He asked for a credit card number which rattled me. Why? He said in case I DECIDED TO DROP out of this offer it covered their costs. I asked him again to be sure we were clear. He then forwarded my info to a XXXX XXXX who asked for all kinds of forms - the normal forms. I receive Royalties for lease and gas/oil in the state of Oklahoma. I get XXXX 's but getting a contract showing what I would receive for the next three years was near impossible. No one understood what I was talking about. SO I informed XXXX if they had to have this and I would be rejected to be sure to remember I was told that I would not be charged the {$730.00} fees on my card. She never answered me on that question/statement. I have all the email 's as proof. I was charged yesterday on my credit card. I wrote XXXX stating why? I also have not received anything in writing that my refi was rejected. She wrote that my refi was denied because of the inability to get continuance on my royalties. Even a job can not give continuance. What I did receive from PHH was another letter stating that due to my excellent credit and equity in my home I qualify for a loan on my equity. What kind of scam is this place running??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: IL
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: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, I went online to order my free annual credit reports from all 3 reporting agencies, Equifax, XXXX  and XXXX XXXX at XXXX. I was able to print out the reports from all 3 agencies. However, on XX/XX/XXXX, I went online again, as I have done every year, to XXXX to get my reports. I was successful with getting my reports only from XXXX  and XXXX. When I put in all my personal information to see my Equifax report, the response I received was " BASED ON THE INFORMATION PROVIDED, WE ARE UNABLE TO VERIFY YOUR IDENTITY. '' This is the first time I ever had a problem with ANY credit reporting agency, including Equifax. My personal information has been the same for many years, and I can see no logical reason for Equifax 's response. I called Equifax at XXXX but was never able to reach a LIVE person, only their automated service. I would be interested if others are having this same issue with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
my best buy credit card was charged with thing I did not purchase when I spoke to customer service they did not want to remove charges and this was going on for months

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 2020-09-10
Company: CITIBANK, N.A.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Unwanted and unwarranted credit inquires on my account made without my full knowledge to lenders I did not approve of. Information was not presented to me at all.

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 2021-12-04
Company: Experian Information Solutions Inc.
State: DE
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 informed Credit Bureaus that this company was violating the Fair Credit Billing Act by illegally adding fees and yet you did nothing to correct the matter. Had your record-keeping been accurate, proof of the last statement would have revealed such horrendous behavior. You are condoning illegal behavior and credit bureau is willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.

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 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written
requests, the unverified items listed below still remain on my credit report in
violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation,
you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2021-09-03
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: Their investigation did not fix an error on your report

Complaint:
I am enclosing 2 letters I wrote them about the issue which is explained. 
they have done nothing to resolve this at all. Is this the way they handle complaints??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX time for the same thing Synchrony bank illegaly closed my account and has not responded to the second complaint in a timely manner I will be filing a suit against them.

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 2021-12-04
Company: R.M. Galicia, Inc.
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The XXXX Credit Bureaus are reporting inaccurate information on PROGRESSIVE MGMT SYSTE. 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04
Company: Google Compare Credit Cards Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX I sent my daughter {$1000.00} through googlepay. Unbeknown to me, my daughter had closed her google account and also the credit card associated with the account. Googlepay deposited the money in her CLOSED account anyway. She can not access the account since it it closed. I have sent several emails to the company and also sent a letter to the corporate offices. I have not received a reply from corporate. The emails are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/21 I reported my Now Card ending in X XXXX stolen and gave it to a Regions bank teller. I gave the card back to the bank because they stole XXXX from my Now Card account ending in XXXX. I then transferred ( {$220.00} ) on that same day back to cover the negative balance. Also prior to the balance being stolen-negative, there were funds ( already ) in the account. The bank teller/She issued me a new card ending in XXXX. I asked her/ The bank teller/ if she could link XXXX statements to my new Now Card ending in XXXX and she said NO. I went to sleep and found they stole the Now Card I had reported stolen and given back to them ending in XXXX and opened it under the pretenses of XXXX, and the employees began swiping more money this time ( {$80.00} ) under ( fake account ) XXXX, which I had no knowledge of nor gave her consent to do and let me remind you she did which she told me could not be done. ( she linked an unknown card to the previous statement ) but a card they used to steal more money without my knowledge or consent. At XXXX XXXX   that same night I received a message from the bank that the Now card ending in XXXX that they now had in their possession, was stolen and linked to one of their employees XXXX XXXX  in which they were using stealing more money. How did the bank email me about a card they reported stolen, suddenly being uploaded to XXXX XXXX  12 hours later??? They stole ( {$220.00} + XXXX + an incoming ACH transfer of {$200.00} ) the SAME day which was never POSTED to my ( main ) account ending in XXXX or balance making it a total of ( {$500.00} ). I want my money back now. Give me my money back XXXX XXXX goes back to my Now Card ending in XXXX account while XXXX goes back to my main account ending in 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 monetary relief
Consumer complaint received 2019-05-15
Company: Riverwalk Financial Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent verification letter to Deville Asset Managment on XX/XX/2019, never recieved verification on Debt. Wrote original creditor XXXX XXXX and the sent letter back saying they had no information on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
There are multiple errors in the listing that are damaging to me including balance, payment HISTORY, terms, date open, and date of last payment. Please update for lawful accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: CURO Intermediate Holdings
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Company Speedy Cash onXX/XX/XXXX amount of {$310.00} Speedy Cash on XX/XX/XXXX amount {$260.00} Speedy Cash on XX/XX/XXXX amount {$310.00} Speedy Cash on XX/XX/XXXX amount {$290.00} Speedy Cash on XX/XX/XXXX amount {$300.00} Speedy Cash on XX/XX/XXXX amount {$310.00} I have disputed these loans several times through the credit disputes and this creditor keeps me in debt of these loans that I have not taken out.. I took out a loan in XX/XX/XXXX that was paid off and I also took out a loan XX/XX/XXXX that was unpaid because I have not straightened out these other fraudulent loans on my credit.. I have asked this company several times to remove or show proof that I applied for these loans or even received any money from these loans but they would not show proof or any documents.. I have been trying for years to resolve this issue .. it is tearing my life and credit apart.. I keep disputing but no avail. the credit bureaus have incompetently filed a dispute but they have not resolved the matter or gotten any proof from the company. Please have this company remove these fraudulent loans from my credit or show any documents showing this was me.. I filed an identity theft on my report also but that did not resolve the issue either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credence contacted me XX/XX/2021. I never receive a notice explaining I had the right to dispute or verification of the debt. This now shows up on my credit report. The calls stopped for awhile but On XX/XX/XXXX, the calls resumed and still no written notice or verification had been received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10
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: Personal information incorrect

Complaint:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! 
My current and only address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, North Carolina XXXX. My name is being confused with another XXXX XXXX XXXX. My DOB is XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong. The following addresses are not my please delete they are not mine they are inaccurate. Please remove delete that following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX I have some account the I need absolute proof that they are my because of the previous confusion with another XXXX XXXX XXXX. 
The reason for my dispute is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623 , subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, the major of the account that appear have failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809. I am in need of a re-investigation to account for the confusion and possible fraud as well as unverified accounts. please send a copy of the Creditor Disclosure form I have attached along with any copies of a contract agreement with my signature.

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 2021-12-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 and XX/XX/2021 i filed complaints with CFPB because PORTFOLIO RECOV ASSOC has recently added a collection debt to all XXXX of my credit reports which are XXXX, XXXX and XXXX that do not belong to me which appears to be balance of {$580.00}. I've never done business with PORTFOLIO RECOV ASSOC or owe money to this company or wish to do business with this company, contract with this company or any one they are collecting for, i have never signed documents, contracts, agreements, to pay PORTFOLIO RECOV ASSOC or to do business with them because what ever they are trying to collect doesn't belong to me, i have never provided this company or gave them permission to authorize access to my social security number, private address, XXXX or any personal information. PORTFOLIO RECOV ASSOC responded to the CFPB dispute saying they purchased a Debt from XXXX XXXXXXXX, PORTFOLIO RECOV ASSOC continue to refuse to Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. 

PORTFOLIO RECOV ASSOC continues to refuse to provide the amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor, the amount of the debt when they obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, they refuse to provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

PORTFOLIO RECOV ASSOC refuses to provide If there have been any other changes or adjustments since the last billing statement from the original creditor, and continues to refuse to provide full verification and documentation of the amount they're trying to collect. PORTFOLIO RECOV ASSOC refuse to Explain how that amount was calculated. In addition, will not explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

PORTFOLIO RECOV ASSOC refuse Tell me when the creditor claims this debt became due and when it became delinquent. 

PORTFOLIO RECOV ASSOC refuses to Identify the date of the last payment made on this account.

Company response to consumer: Closed with explanation