BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, I sent a letter to LVNV funding requesting that they validate an alleged debt they placed on my credit reports. I received a response from Resurgent Capital Services stating that they are collecting on behalf of LVNV Funding. Since when a collection agency collects from another one, and neither one of them has provided me with the original application of this alleged account like I asked them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Account has been removed from my credit report for some odd reason. Account is open and I made a payment XX/XX/XXXX. Account has been reported as derogatory for XX/XX/XXXX. Account also is not reporting the proper balance and available credit. This is damaging to my credit score for all 3 credit bureaus.

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 2022-04-28
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights.

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

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 2022-04-28
Company: Experian Information Solutions Inc.
State: MI
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:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2021-12-02
Company: Sequium Asset Solutions, LLC
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: Information belongs to someone else

Complaint:
Received an alert from XXXX XXXX that shows a delinquent collections had been placed on my account XX/XX/21. It's a company called Sequium Asset Solutions in XXXX GA. The only information listed shows XXXX XXXX.. so I had to XXXX to find that supposedly XXXX XXXX XXXX had a breach of data and are aware of fraudulent behavior from this company. We had closed our account on XX/XX/21 and actually have an {$18.00}. credit ( good standing always ). The amount XXXX shows owing is {$2800.00} and doesn't have any of our information attached, states it was from XXXX for 1 mth and due in 1 month?? Also states turned over to collections. We've never received anything from this company but yet they place this on our credit report. I attempted multiple times to contact this company to no avail. We contacted XXXX XXXX XXXX and was transferred 4 different times, all in an attempt to speak directly with their fraud dept. But finally was told they are not taking calls due to this major fraud taking over the phone lines. So we placed fraud alerts on our accounts in hopes that this company or person will not be able to do any more damage to our credit. Thank you. XXXX

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 2017-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am the administrator of an Estate, and am trying to close out multiple accounts with Bank of America so that the funds can be transferred to the Estate. I first went into a local Bank of America and provided the bank with the necessary documents to close out the account on XX/XX/XXXX. We were told that we had to use the Bank 's letter of instruction to close out the account, which we first requested on XX/XX/XXXX. When it was not received, we requested it again on XX/XX/XXXX. When the form was finally received, we filled it out and promptly returned it. Additional documentation was requested by Bank of America, the last of which was provided by fax on XX/XX/XXXX. When we checked in, we were told that the information was uploaded on XX/XX/XXXX and appeared to be in process. When we called today, XX/XX/XXXX, we were informed that information that we have provided has still not been reviewed, and that even with an  escalation request, we can not expect any movement on the processing of the funds for another 5-7 days. It is now over nine weeks since we first requested that the funds be provided to the Estate, with no clear expectation of when we can expect that the money will be received. The Estate has bills that need to be paid, and can not do so because of the significant delay in the release of the funds to the Estate.

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 2022-04-28
Company: EQUIFAX, INC.
State: IN
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:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent a a second letter and again still did not get a response. I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: EQUIFAX, INC.
State: MA
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:
I 'm sure you 're aware of the Equifax breach, which was caused by inadequate data security measures ; I found out from Equifax 's website that my data was breached. 

I 'm sorry, but that class action suit results in about {$400.00} per person ( before lawyers take their cut ). One year of free credit monitoring does n't quite do it, either. And letting the CEO retire with his {$18.00} million pension intact just does n't feel like much of a punishment to me. 

I am writing to insist that Equifax be completely disbanded. I am not convinced of the need for any organization to have so much sensitive data about american citizens, much less the need to have three. Equifax has shown it is not inclined to keep our information safe, and that it 's not particularly penitent for its actions. It is doing very little to atone for the harm it has caused this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 is reporting false information on my credit report. In order to keep my credit to report an accurate higher score.

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 2021-06-14
Company: U.S. BANCORP
State: NY
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Approximately XXXX weeks ago I ordered a replacement card through the bluebird app. I have yet to receive my replacement card. I have tried to withdraw the funds from the card through a service that they offer in the app. No matter how much I try to withdraw it says that the transaction can not be approved. I have been trying to call and speak to somebody and customer service since the XXXX of XXXX. This morning XX/XX/XXXX, I was finally able to speak to somebody who told me to just try using my card. After explaining to her three times that I do not have the card because I never received it she told me to wait until tomorrow and then hung up on me. Every time I have tried to call back I get an automated message saying that the computer system needed to take my call is not available. Then it tells me to push zero to speak to a customer service rep and hangs up on me after I push zero.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: MI
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:
i am the natural person, consumer, and original creditor. I entered into a consumer credit transaction with XXXX on XX/XX/2021. They are committing fraud because they got paid with the finance charge and mislead me to believe i still needed to pay monthly payments to them. Everything was paid for when the application was done. The alleged debt is dealing with medical information. According to the law noone is suppose to report medical bills to a consumer report. Thats fraud. then they sent my information over to a ic systems collection agency and consumer reporting agencies. That is an infringment of my privacy because i never gave XXXX the written consent to give my information to no other company. Credit reporting is fraud everything starts with the consumer. Nothing can be furnished unless the consumer gives the consent because the money is mine. Im extending them credit therefore they have to do as i say.

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 2020-04-23
Company: Experian Information Solutions 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME NOR DO THEY RELATE TO ANY TRANSACTIONS THAT WAS AUTHORIZED BY ME. I HAVE NO IDEA WHO WAS ABLE TO OBTAIN MY PERSONAL INFORMATION AND CREATE THESE ACCOUNTS IN SUCH A FRAUDULENT MANNER. PER REQUEST I AM REQUESTING THE ACCOUNTS RE-INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON 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 2022-03-28
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from American Collections Enterprise ( ACEI ) stating I owed a debt. I contacted them to find out why and alleged date of service. I found out they had a medical bill for a date of service I had insurance for, again. I explained to them I had contacted the original creditor and they were to bill my health insurance and that I never received written communication regarding the debt from the original creditors or that it was going into Collections. I spoke with a XXXX XXXX who transferred me to her " supervisor ''. I was requesting the debt to be sent back to the original creditor so they can bill my health insurance because this is the 3rd time I've had to do this because of this creditor, XXXX XXXX XXXX XXXX XXXX not doing the appropriate thing. He refused to provide me his name and hung up on me. I called back and requested his name from XXXX XXXX who attempted to transfer me back to the original " supervisor '' after requesting to speak to his higher up due to his rude and aggressive behavior towards me because I told him I was just going to file a complaint, he responded with, " So you'll write a complaint about our company but you won't dispute to us in writing? '' Before hanging up the phone on me. I attempted to contact the company back and my calls were screened and they would not answer. Low and behold I called from a different number and they picked up the phone. Extremely unprofessional and aggressive.

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 2021-06-14
Company: Ocwen Financial Corporation
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Account was frozen due to " unusual activity '' and kicked into the fraud division. 
3rd time this has happened to me in the last 18 months. 
Each time I have to call in and identify myself thru the automated service line before being transfered to the Fraud dept people. 
This time they are having one live representative ask for three bits of personal data before they will " release '' the account. 
They refused to say what charge or activity is leading to these Frauds, nor will they allow me access to the account online to see what charges or payments have posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Numerous calls to my cell phone and my wife 's. She is not on the account and they told her she was which is a lie. 
Called on my cell phone # 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 @ XXXX XXXX Called on my wife 's cell phone # 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 non-monetary relief
Consumer complaint received 2017-09-28
Company: EQUIFAX, 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:
Equifax is reporting an account with XXXX XXXX XXXX as a chargeoff/current debt when my debt balance is now XXXX with nothing owed. The balance is approximately {$6000.00}. Equifax is refusing to manually check the records of XXXX XXXX to confirm that the debt is at a XXXX balance. XXXX XXXX is lying about me having a debt owed with them and their internal records needs to be checked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: CITIBANK, N.A.
State: TN
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:
I settled this account on XX/XX/2020 for {$200.00}. I received a letter stating that my balance is now {$0.00} from the corporate office as requested on XX/XX/XXXX, and that they would inform XXXX, XXXX  and XXXX  within thirty ( 30 ). As of today, they are still incorrectly reporting a balance of {$210.00} on my XXXX  and XXXX  credit report. I have contacted the corporate office asking that they report the account with a XXXX  balance, but to no avail.

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 2020-09-14
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 my money was deposited in the amount of {$110000.00} to Chime bank account next day bank put hold on my account & whatever documents bank requested I provided it to them. 
Today XX/XX/2020 they closed my account, refused to give me any reason for closing my account & refused to refund my money. I really appreciate if you look into this matter before I take legal action against Chime Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit 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 2020-08-01
Company: Experian Information Solutions Inc.
State: NY
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:
I filed a compliant on XX/XX/2020 against XXXX XXXX  XXXX for putting info on my experian credit report that was previously removed. It appears they are resurrecting this old chargeoff to hurt my credit score.

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