BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX violated federal law, by not properly investigating within the required time frame, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will now result in a small claims action against your company. 
XXXX XXXX account was discharged in Chapter XXXX. 
Date filed XX/XX/2017. XXXX XXXX XXXX XXXX. Debtor ( s ) was dismissed XX/XX/2017 In which your company is well aware of. As to date you have tried to collect a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: EQUIFAX, INC.
State: VA
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:
Equifax is showing on my credit report that XXXX XXXX XXXX XXXX XXXX, which I am a member of has conducted a hard inquiry on my account/credit history without my authorization on XXXX XXXX, 17.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1963 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXXXXXX XXXXK XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1963 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL 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 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TransUnion kept reporting an unverified debt that I did not owe against me. Particularly, TransUnion refused to delete an unverified collection filed on my credit profile by XXXX XXXXXXXX XXXX. I was not responsible or privy to the underlying collection. XXXX XXXXXXXX XXXX reported the same inaccurate debt information on other Credit Bureau Companies such as XXXX and XXXX. When I noticed the inaccurate debt information on my credit, I requested validation and subsequently disputed the debt. XXXX and XXXX deleted the debt from my credit account when it was found inaccurate and unverifiable. However, TransUnion refused to delete the inaccurate debt information from my account hence, this complaint. Therefore, I believe TransUnion is taking the reporting of the erroneous debt information personally against me. Please compare other Bureaus ' credit reports with TransUnion.

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 2022-01-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
XX/XX/2021 had dinner at XXXX XXXX in XXXX XXXX. When the bill arrived paid {$400.00} in cash and charged {$150.00} on Citibank Visa credit card. When the statement arrived I was charged {$550.00} the entire amount. Contacted Citibank Visa and disputed the amount. Citibank decided I had to pay the entire amount and would not supply me with a copy of the receipt. Contacted the XXXX  XXXX restaurant and they said they would issue a credit for {$400.00} but that never happened.

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 2022-12-10
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: Their investigation did not fix an error on your report

Complaint:
This is the second time I have sent a certified to Experian about the inaccurate information they are reporting on my consumer report. I even sent copies of my consumer report to show what inaccurate information they are furnishing. The first letter I sent to Experian was XXXX XXXX the information came back verified, another letter was sent on XXXX XXXX. I asked Experian to furnish the procedure of how the account was verified, I asked them to mail me a corrected copy of my consumer report. ( They did not send anything as I had requested ) Experian sent an email, and that's not what I requested, I saw the email three weeks later because I was not expecting an email concerning these accounts. The problem is Experian is reporting two XXXX XXXX accounts, one with an account number and the other one without an account number just XXXX, and sometimes the account number starts with XXXX. The amount on both accounts {$9300.00}, date opened is XXXX XXXX, The credit limit {$10000.00}, both are credit cards, Status updated XX/XX/XXXX for both accounts. The difference is how they are reporting the Payment History, the account that starts with XXXX and sometimes appears with just XXXX. Payment History : XX/XX/XXXX Data Unavailable, XX/XX/XXXX account 30 days late, Balance updated : XXXX XXXX. The other account starting with XXXX has the Payment History : XX/XX/XXXX account 30 days late, XX/XX/XXXX account 60 days late. This account the Balance updated XX/XX/XXXX. This information is inaccurate and I have requested that they investigate every piece of information concerning this account and it has not been done. I have enclosed a copy of letter I mailed to Experian and my consumer report also. This information is only about the XXXX XXXX accounts listed on my consumer 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 2019-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
To Whom It May Concern, We have been trying in good faith to resolve our status of our debt with The Bank of America. We dont believe the are they are dealing with us in good faith. The unpaid balance is {$10000.00}. A judgement was entered on XX/XX/17 yet it is still being reported to the Credit Agencies as a CHARGE OFF/COLLECTION. We are currently honoring a payment arrangement/plan with the Court Officer, so we are fully willing to pay the debt. Our attorney has advised us that if the account is now a judgement it should fall off the credit reports. No one will assist us in making this error correct and as a result we are unable to qualify to a much needed mortgage. PLEASE HELP US. 

I am attaching all relevant documentation. 

Many thanks. 

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 2021-02-02
Company: EQUIFAX, INC.
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:
Equifax dropped my FICO Score 62 points based upon a XXXX Credit Card, which has never been late. We routinely pay the card in full multiple times each month to keep the balance low. In this particular instance, the balance jumped up 90 % for one day, and I have been penalized 62 points. I am searching for a home, and this fluctuation in my FICO Score does not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This credit bureau continues to report an unverified Public Record ( Bankruptcy ) that I have disputed. The credit bureau is violating my rights, under FCRA, due to failure to provide accurate reporting. The credit bureau has refused to provide me with the 3rd party furnisher of this information. I spoke to my local court and they reported they did not provide any of the credit bureaus with info. They have not verified anything, but keep sending out generic letters saying there was an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: CrossCountry Mortgage LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2022 I obtained a mortgage with CrossCountry Mortgage. In the first month, they sold the loan to XXXX XXXX XXXX. I made the monthly payments as expected and did a principle payment, bringing principle balance down from {$330000.00} to {$70000.00} as of last month. Last month I was informed by XXXX that the loan was being sold back to CrossCountry Mortgage. I then started receiving letters from CrossCountry Mortgage saying that I had not made any payments, and that I owe them the original {$330000.00} plus penalties. I called them, and was told that they had started the processing on transfer too soon, and that someone would fix the account within 5 days. That was two weeks ago. I called again today and the representative said to contact loan servicing. Borrowers deserve better.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
On my credit report XXXX XXXX XXXX pull my credit Twice gave me more inquires so on XXXX saying iam Delinquent and XXXX XXXX , XXXX  , ... .Iam unemployed from XXXX  in XXXX XXXX XXXX  XXXX.Me my wife fell down got XXXXShe fell XXXX XXXX i XXXX XXXX we tried working one light duty but XXXX  Ast Manager over work us, and Workmen Comp says we have to stay working for XXXX  to get paid.We could not get better.we are under doctors care.My wife quit XXXX i quit XXXX turn in uniforms ect.Workmen Comp of XXXX  refused to pay us any compensatation because we dont work for XXXX.That is Stupid law to keep working for same Company you get hurt at.XXXX  employees managers make us work so hard we gone to XXXX and not getting better.Got behind on Mortgage XXXX  / XXXX County each one would Not keep Roads Clean so we can get to our property.Sometimes we had to stay in Motel for 2months due to rainy days muddy.Now we tempory live here in XXXX we are broke no money now to get back home.XXXX XXXX we ask them for over 6months we was in XXXX  and XXXX  for Inoice 's but they never sent us one.We should of had payment coupon Booklet there interest Rate is so high 26  % and we always paid {$50.00}. more amonth our payment is $ XXXX.we paid $ XXXX.most of the time.Payments due on XXXX of each month plus grace period of 10days.But XXXX credit report had 2inquires.Now we trying to get those off credit and get arangements to get lower payment and get up to 45-90 days get caught up.We always paid on time on all our bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 the list of accounts below has violated my Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Account # XXXX XXXXXXXX XXXX XXXX  : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX : Account # XXXX XXXX XXXX Co : Account # 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 15 USC 1681c 856 no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of a conviction of crime which andates the reports by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
Company: MOHELA
State: VA
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:
The balance included in the student loan is incorrect. Over XXXX was discharge in a bankruptcy in 2012.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: TN
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 the list of accounts below has violated my Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Account # XXXX XXXXXXXX XXXX XXXX  : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXXXXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXXXXXX XXXX  : Account # 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 15 USC 1681c 856 no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of a conviction of crime which andates the reports by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
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 information incorrect

Complaint:
Experian XXXX XXXX XXXX is reporting my closed/ paid accounts as open and continuously selling closed accounts to credit services which keep my XXXX credit score from increasing and hinders my opportunity of getting credit from creditors. As a single women of XXXX trying to start a small business. This hinders me from future or any financial assistance. As this unfair practice continue soar it holding me back from future advantages.

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 2018-12-24
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX  # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with XXXX  XXXX  OR their client. I do NOT owe {$750.00} and I do NOT have 1 month terms with them OR their client. This intimidation tactic is ILLEGAL and the last time I checked, they WERE NOT allowed to place anything on ANYBODY 'S credit report. This needs to be DELETED immediately before I file my lawsuit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: National Credit Systems,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: Information belongs to someone else

Complaint:
Reaching out regarding XXXX XXXX XXXX  in 2017. My mom applied with my dad as him the applicant and her the co applicant. They approve it with my dad living out of state with his income. When came to writing up the lease agreement I had to undergo a background check and that I was adult i had to be a tenant cause the minors are occupants. They told my mom her and my dad were responsible. She was under that impression because that what she was told. I had no way to afford living there inwas not working. So we were misled with wrong information impacted my credit records only not my parents. I have the orginal lease due to the situation and unprofessional it was handled is preventing me to get my on place as it only showing on my record as landlord debt. My mom says it was just supposed to be her and my dad responsibility. I'm looking to get this debt remove from my credit records as it not mine and belongs to my parents cause that what my mom was told before having a lease agreement attach to the application. Was told I had to sign cause I will be residing there at that time. Because I was o her the age of XXXX I had to undergo a background for any criminal charges and for me to reside and being over XXXX that occupants are for minors. Since then I research that it was lie I could have been occupant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I was charged over XXXX for a purchase I never made. I spoke with them, but we didn't resolve the issue. There are so many additional fees that I was never aware of before, I just want card 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 2022-12-10
Company: BARCLAYS BANK DELAWARE
State: MN
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:
Hi, I closed my Barclays XXXX XXXX in XX/XX/2022 with a XXXX balance after several incorrect billing cycles ( where fees were assessed that should not have been ). They removed all fees, got my account to a XXXX balance, and told me they closed the account. However, I continue to get emails saying my account is " very '' past due and I need to take action immediately to pay the $ XXXX I owe ( all fees that have accrued since closing the account ). I have called several times about this, and they keep telling me that it's closed with a XXXX balance and to " ignore '' the messages because there's some computer glitch that is keeping my messages in a " loop. '' However, I'm tired of the messages and just received a message that my credit score has dropped XXXX points because I have this " past due '' balance. I've spent XXXX hours on the phone/on hold with Barclays since this XXXX and no one can figure out what's happening. They keep telling me it's fixed, but it never is. Please help! I need my credit score to be back where it was!

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