BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-27
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am contesting the account with XXXX/XXXX XXXX It is an account that was opened without my consent. It is showing a balance of {$440.00} with a {$250.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 176 % usage. I need Experian and XXXX/XXXX XXXX to correct this account on my Experian report. I should not owe XXXX/XXXX XXXX anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too.

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 2022-10-06
Company: Experian Information Solutions Inc.
State: FL
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, 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 2019-09-24
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
PLUS FOUR representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2014 amount {$260.00}

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 2018-01-05
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: Account information incorrect

Complaint:
XXXX XXXX XXXX placed a collection on my XXXX, XXXX credit report and Transunion credit report on XXXX XXXX, 2017 stating that I owe a balance of {$3900.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have requested the documentation regarding account XXXX at Bank of America continuously now for 7 months and they continually ignore the request. They got the original request well within the destroy documents period, but because of deliberate inaction as well as gross negligence they have not complied with this reasonable request. The result has been extreme hardship and financial loss to my family

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 2019-09-24
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to Midland Funding once a received a letter a couple of months back, and notified them once I saw XXXX   that the debt being collected is not mine. I had a XXXX  credit card back in 2006, which I only had a credit limit of XXXX, and rarely used it. That card was paid off and closed. They are indicating I owe {$1000.00} without any proof of transactions or payments. Now months later, I have a Notice To Debtor that  went to a court in a county I lived in over 7yrs back, never received any legal document prior to this week of the XXXX of XXXX. It indicates they levied my bank. I have sent multiple letters when I received the collection letter and disputed it online complaint over a year ago, and now I receive a letter that they sent to the court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: Porania, LLC
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.

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 2022-01-20
Company: BARCLAYS BANK DELAWARE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am requesting your help with what started as a small problem, but has ballooned into a bigger issue because of the continued incompetence of Barclays and its employees.

Years ago I had a Barclays credit card. I had asked for the account to be closed approximately 3 years ago, have not received statements since XX/XX/XXXX, and I no longer have the actual card. 

On XX/XX/XXXX at XXXX XX/XX/XXXX I received an email statement with a {$28.00} balance. This email referenced an account ending in XXXX. I do not have a card, so this is the only reference number I have. I knew this was a mistake, so I called and requested it be rectified. Not only did your company allow a charge to be made on a closed account, the charge appears to be from XXXX XXXX, which is a campground we have not been to in years ( I estimate 5 years ). I told the customer service representative that the charge must be fraudulent. I was given a case # ( XXXX ) told it would be taken care of and I would hear back in 7-10 days. I did not hear back. 

On XX/XX/XXXX, I received an email statement with a {$48.00} balance. I called and was told you added a late charge. I was told the late charge would be removed, the initial charge was being researched and I would hear back in 7-10 days. No call back. 

On XX/XX/XXXX, I received an email statement with a {$64.00} balance. I called and spoke with many people. The last person I spoke with said she was a manager. She said it had been taken care of, and when I voiced concern about my perfect credit being damaged, she said she would send a XXXX balance letter. 

The letter arrived showing a balance of {$64.00}. That same day I checked my credit, and my credit score dropped XXXX points. I have NEVER HAD A LATE PAYMENT. 

This is completely unacceptable. I have reached out to XXXX XXXX by email and they confirmed they have not recently charged my card, since we have not stayed there in years. I have included that email for your reference. 

The {$28.00} would have been no issue to pay. The issue is that this charge is not justified, the account has been closed since XXXX, and this should have been taken care of with my initial call in XXXX. 

This has not only been marked with incompetence, but the hours I have spent on the phone repeatedly telling this story and not getting a resolution have been unacceptable. I have been treated with disrespect and patronized by Barclays employees ( especially in the fraud department ).

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 2018-01-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery is stating I owe a debt of {$3700.00}. I do not have a signed contract with this company nor have I ever done business with them. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Portfolio Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I currently owe {$76000.00} in student loans used to put my children through college. My wife has {$140000.00} in student loans putting the same children through college. The student loans under my name are serviced through Navient and XXXX. The student loans under my wife 's name is serviced by XXXX.
All these loans were approved based on my income. My wife does not work.
I wanted to consolidate these loans under one servicer and come up with a income based payment plan. The servicers said that was not possible. I do n't understand why since I was the sole income guarantor why these loans can not be consolidated under one servicer so I can get a fair payment plan setup.
I believe I was improperly informed by the servicers who offered me deferment options so they could benefit by receiving more interest. I do n't believe the servicers acted in my best interest. It is difficult to forward this to a single server because through consolidations the servicers have changed. Interest is not accurately reported because each time I was advised to consolidate, the interest is converted to capital and added onto the total of the principle owed. After paying for the last two years my balance has gone from {$220000.00} down to {$220000.00} an overall reduction of only {$230.00}. At this rate I will die before I can ever repay this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
RE : US Bank This is in regards to an allegded late payment for a credit card. I 've contacted them several times, written them, etc., to no avail. No responses to written letters, and when I have called, they continue to transfer me to people who can not discuss this matter. 

A late payment was NEVER made on this account. All payments were on time and this was a system error. 

Request : Rectify and delete late payment

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 2019-09-24
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
QUANTUM COLLECTIONS representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amount {$220.00}.

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 2019-09-24
Company: MoneyLion Inc.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I submitted a CFPB complaint XXXX to MoneyLion on XX/XX/19 and they on XX/XX/19 and admitted their problem that failed to offer me the welcome bonus {$590.00}. They said they will add me the bonus within 1-2 weeks after their response date XX/XX/19, however, so far, it has been about 4 weeks and I still haven't seen the bonus posted to my account. I tried to contacted them many times, and their customer service number can never be reached and always asked me to leave a message and they will call me back soon, but they never called back. Please be honest and keep your promise to add me the bonus funds {$590.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i have asked multiple times to verify the debt, including asking for proof of delivery-after waiting more than 60 days they finally returned a response to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: U.S. BANCORP
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX XXXX offered a {$300.00} bonus for opening a new consumer checking account in a branch between XX/XX/2019 and XX/XX/2019. The two other requirements are 1 ) completing 2 or more direct deposit of {$2000.00} minimum in total within 60 days of opening account and 2 ) enroll in XXXX XXXX   online banking before XX/XX/2019. I did open the easy checking account on XX/XX/2019 in local branch using the promo code as advertised and enroll in online banking the same day. I've completed 3 direct deposits and the total amount is around {$2500.00} by XX/XX/2019. So clearly I already meet all the requirement. However, I haven't received the {$300.00} so far. I tried to contact the XXXX XXXX customer service but they sent me back and forth to various different departments and finally directed me to contact the local branch. But the local branch just said I need to contact the customer service to ask for the bonus. Now it goes to an endless loop and nobody in the XXXX   XXXX will help me solve that issue.

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 2019-03-04
Company: EQUIFAX, INC.
State: NY
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:
I went online to get my free yearly credit report which I have not done for several years. 
I was able to get my report from only one company out of the 3 which I was told the reason was ( A  condition exists that prevents XXXX from being able to accept your request at this time. ) I see a lot of complaints online from people saying the same thing. 
Only XXXX was able to give me their report. Neither Equifax or XXXX would help.I am just trying to see who has a cell phone in my name which I just learned from XXXX on XX/XX/XXXX/19 while buying a new cell phone online. Today is XX/XX/XXXX2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed a negative account on my credit report from LVNV Funding and they have yet to verify and validate the information they have listed. I have never had an account with LVNV Funding and this is hindering me from obtaining credit from other lenders. I have sent a certified letter # XXXX to LVNV Finding on XX/XX/31 detailing the inaccurate information and they refuse to delete this from my credit report. I have also sent another certified letter # XXXX to XXXX and they have not verified the debt. Persuant to the FCRA and FAIR DEBT PRACTICE they are required to verify and validate the debt which they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX XXXX {$830.00} 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 2017-07-27
Company: Prosper Marketplace, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received an e-mail on XXXX/XXXX/2017 with an actual loan approval contract indicating that I was approved for an {$8000.00} loan with Prosper. I called the number on the contract and I was told that I had been approved and that they needed more information before the monies would be deposited in my bank account. I was hesitant because I had been denied by various other lenders for a loan because of poor credit. The number that I called was the number that was on the loan agreement.. ( XXXX ) XXXX. They told me that they were based in Florida and that the Corporate headquarters was in XXXX XXXX. I told them that I would get back to them and that I had not made the decision to accept the loan at that time. I went on the internet and looked at the Prosper website. On the website Prosper had XXXX number not a XXXX number and I called the XXXX number. Prosper told me that they had not approved me for a loan and that most likely this was fraudulent. I told Prosper that their Company name was being used to create fake loans obviously. As it stands, I have not signed the contract. The folks at the XXXX call my number 5-6 times a day and leaving messages. They are constantly harassing me. I have attached a copy of the loan agreement from them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I tried to access my XXXX XXXX XXXX XXXX card account to pay my bill. I was unable to do so, as the system would not accept my password and required the password to be reset using a verification code sent to me via phone. However, neither of the phone numbers listed was correct. I called the phone number provided on the computer screen and was connected to the XXXX XXXX Fraud Department. I gave them my new phone number but was told that they could not use that phone number to send me my code. Since I was unable to get into my account online to pay my bill, I went to the XXXX XXXX location in XXXX, Ohio, on XX/XX/XXXX and paid my bill there. I received a paper receipt verifying my payment of the total balance of {$110.00}. I called XXXX XXXX on XX/XX/XXXX to verify that they received the payment, and was told that they had no record of the payment, and that it may have gone through at the store but that they did not receive it, and that my account was still showing a balance of {$110.00}. I have attached a copy of the payment receipt I received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Bread Financial Holdings, Inc.
State: CT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On X/XX/2017 I made a camping reservation @ XXXX XXXX XXXX XXXX, XXXX XXXX, Connecticut. I was charged twice for the one reservation in the amount of {$240.00}. I have filled out the paperwork and sent it in in XX/XX/XXXX 2017. When I call or send email to Comenity Capital Bank, they never give me an answer to the status of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX XXXX  {$830.00} 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 2022-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation