BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
2017, {$1600.00} was taken from the credit card after we paid it off

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 2021-04-22
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am locked out of my Robinhood/XXXX  XXXX  account after not being able to receive a security text message. I followed the instructions I received but have not received any follow-up. Now I have access to the phone number in question again but the security texts are not being delivered, I assume they are going to the landline number I gave them while trying to resolve this. I am trying over and over to get their attention on XXXX and by email to no avail. So now I dont have access to my money and am stressed. I can not give you the account number as I would need to log in to see it. My case number for this is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: BARCLAYS BANK DELAWARE
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX, I have contacted them directly spoke with Ms. XXXX who stated she was a Manager. I explained that this account was awarded to my ex husband during court proceeding and I sent the court documents showing that he was responsible for the account til paid in full which was enforced by XXXX County XXXX. I have disputed this many times as well as to credit bureau. Ms. XXXX informed me in XXXX of XXXX that she would remove all derogatory reporting on credit report which at that time was 4 30 days past due, she never did I called back in XXXX of XXXX after pulling report to see that she never removed and their was more 30 days. She apologized and stated she would correct. This continue til XXXX and more was reported. I contacted again spoke with Ms. XXXX who informed me that this would be addressed and removed. It was destorying my credit so I paid the account off with the understanding that it would be removed and I would handle a court order with the fact my ex was in violation. Here we are still battling this to get removed. Please assist. 

Barclay Bank Of Delaware - I have no clue what this account is and it was written off as bad debt. I have tried to contact the 800 number of credit report and no record of me found. I have disputed on credit report as well and still there. Company has apparently sold and are of no use to me at all. This is not my account and should not be on my report. 


XXXX XXXX XXXX account was awarded to my ex during court proceeding. I have sent documentation to XXXX as well as disputed online. This is the same as XXXX. XXXX ordered him to pay the account since he was the one that used the account. I was told my XXXX XXXX XXXX negative reporting would be updated on the credit report by XXXX and here we are nothing go fixed. 

XXXX/XXXX  - THIS IS NOT MY ACCOUNT. I do not know how someone got hold of my information but this is not mine.I have disputed with credit report and it still remains. I call the 800 number on report and the creditor is unable to indentify me yet it is reported on my credit report. This is not me or my 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 explanation
Consumer complaint received 2021-10-26
Company: Continental Finance Company, LLC
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had clicked on a website that believed was a promotional offer for an unsecured XXXX credit limited credit card XXXX  by XXXX XXXX and serviced by XXXX XXXX XXXX toompany. I applied and i was approved. The confirmation email looked cheap, it was formatted weird and looked unprofessional. Another red flag was the basis or explanation for the factors used to determine my credit worthiness, the report stated my credit score was XXXX. I knew it was way lower then that. Today is the 4th day since i applied and i was expecting the card, if it was going to arrive, itd arrive today but instead i received an email from a company called prosper thanking me for applying for a loan but iwas not approved. I never applied for a loan through prosper. There is no company link or contact address on the confirmation email i received for the XXXX  card, just the website html address. 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 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX IXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX/XXXX  XXXX ... XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit 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 explanation
Consumer complaint received 2021-04-22
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which COMENITY BANK/XXXX  is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

COMENITY BANK/XXXX  is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried to transfer {$150000.00} from CITIbank to XXXX bank on XX/XX/XXXX, in an effort to close my account with CITI. The funds appeared in the XXXX account, but the transfer was canceled by CITI on XX/XX/XXXX and the transaction reversed. I made a second attempt to transfer the balance ( {$150000.00} ) on XX/XX/XXXX and experienced the same issue. On XX/XX/XXXX the transaction was canceled by CITI and the funds returned to my CITI account. I called CITI on XX/XX/XXXX twice and spent nearly two hours on the phone trying to understand the problem. They tell me my account is locked because there was questionable activity. I confirmed that the activity was initiated by me, the sole account holder. They won't lift the hold. I try again to resolve the hold on XX/XX/XXXX. They disconnected me twice after 40 minutes. I tried again on XX/XX/XXXX. After another 40 minutes they promise to call me when they have it figured out. No call-back. I try again on XX/XX/XXXX. I ask for escalation and insist on talking with a supervisor. They tell me that the hold can't be lifted. They offer to send me a check in 60 days. I told them that I haven't had access to my money for three weeks. Another 60 days is unacceptable. They ask me to hold. After 2.5 hours on the line, they disconnected me. Again. I can no longer tolerate the frustration. I need access to my money. Please help.

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 2021-04-22
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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent 3 letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to the credit reporting agency to dispute the following account : XXXX XXXX ( Tax lien ). This public record does not belong to me. It was my understanding that the credit bureaus are required to check items with the credit grantor reporting the information, and remove any information the credit grantor can not verify. It was my further understanding that the credit report bureaus must complete investigations within thirty days of receiving a letter. My credit report continues to have inaccurate items on it.

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 2021-07-14
Company: National Credit Systems,Inc.
State: AZ
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 originally disputed this complaint but it was marked as a duplicate- THIS IS NOT A DUPLICATE - This is one of several accounts that this company is financially harming me on my account. 

National Credit Systems : Account XXXX National Credit Systems is inaccurate reporting an item on my credit, XXXX  , XXXX  and XXXX  are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 1. Date Opened is listed different on multiple credit bureaus. 2. This account XXXX Has FCRA Violation. 3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 3 different dates on each credit bureau. - Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact National Credit Systems and XXXX, XXXX, and XXXX  correct and remove this inaccurate info from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
1. I assumed a loan from XXXX in XXXX. 
2. Late XXXX early XXXX Aging parent issues and loss of income caused me to hire XXXX XXXX to negotiate a settlement agreement with XXXX. 
3. Filled out the application with XXXX XXXX using current address since XXXX in Maryland. 
4. XXXX sold the debt to Jefferson Capital ( collections ) in XX/XX/XXXX after XXXX XXXX had started negotiations. 
5. Jefferson Capital decided to use my old address in XXXX, PA which I moved from in XXXX. I have not owned the property since. Correspondences were sent to that address which is over 12 years old and was not entered into my application with XXXX or XXXX XXXX. Therefore Jefferson Capital ran my history and intentionally entered the incorrect address, which disallowed proper correspondence. Had they used my address as of XXXX, as noted in line 3, this debt could have been resolved last year and my credit would not have taken as much of a decline. I verified this when I called Jefferson Capital, after I learned through XXXX XXXX who owned the loan, when the XXXX XXXX agent I clarify my address for verification. I gave him the only address I used on any applications since XXXX in Maryland. He said that the MD address was not correct. I finally figured out they used my old address after he told me the city of the old address ( XXXX, PA ). I spoke to a " supervisor '' who stated XXXX XXXX had that address and gave it to Jefferson Capital. I know that's in accurate as I have received all mail from Beyond Finance to my address in MD. I contacted XXXX XXXX and they said the old address is not anywhere on my application. I paid Jefferson my debt, but their practices in this case are deceptive and designed to prolong the debt to increase their interest to collect. This is afoul of current law and abusive practices. Due to their intentional practice of using an address I have not resided at since XXXX, I was never given the opportunity to address the matter as legally provided. I demand this debt be erased immediately and my credit score restored to the equivalent of the points deducted due to their mismanagement and predatory practices. This was not a clerical error in any fashion as my loan was made in XXXX, 10 years after selling the house in XXXX, PA. 

cc : Honorable XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While checking my credit reports on experian I noticed two medical collections that do not belong to me. I sent two debt validation letters for each account to the company and both letters were received on XX/XX/2021 and signed for by an XXXX. But since receiving the update from XXXX that both letters were delivered I haven't received any proof or even a response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. ALSO WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED/DELETED, A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX. XX/XX/2020 I noted via my XXXX XXXX credit monitoring account that my XXXX account was all of a sudden being reported with the incorrect amount of years for the account being opened. 

2. I filed a dispute via XXXX XXXX credit monitoring system requesting that the XXXX account open date be corrected to reflect the correct open date 3.Trans Union DELETED the account without investigation. See attached investigation letter solidifying that no effort was made to verify and correct the account with XXXX 4. I contacted Trans Union as to advise I didnt request removal of the account but rather correction and was advised to contact XXXX XXXX. I contacted XXXX who investigated and re-reported the account to all 3 major credit bureaus. 

6. Despite the many attempts of XXXX to get Trans Union to show the reporting on my credit file, they continue to refuse and stating as its reasoning that as a policy they automatically remove because disputed authorized user accounts forever. 

As a consumer, I did not request the account to be removed from my credit file. I simply requested that the erroneous information be corrected. 

This is an account that my parents added me to more than 20 years ago to help establish my credit history and over those years I have maintained a stellar history. 

Trans Union removal of this account as supposed to correction as requested has tanked my score by 23 points because I no longer have the 20 year credit history reporting on my credit reports

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 2021-04-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
It has been over a year since I've tried to reach out to these companies about validating the information reporting on my credit report. Can you please help me resolve this issue. It has been interrupting my life and holding me back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in full, Credit line was opened XX/XX/XXXX and last reported on credit on XX/XX/XXXX. Under the Fair Credit Reporting Act, We never received any written, oral or email notification that this account was going to collection or would be reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX XXXX - {$4100.00} XXXX XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$370.00} XXXX XXXX  ( Both accounts )

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