BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-19
Company: Client Services, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Affidavit of Denial XXXX XXXX XXXX XXXX OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX Dear Client Services, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account Number : XXXX Reference Number : XXXX Amount Balance : {$5600.00} FTC Identity Theft Report Number : XXXX Victim Fraud Assistance Department I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. I deny this debt as I am a victim of identity theft. 

Please provide me with the following : 1. Agreement with XXXX XXXX XXXX that authorizes you to collect on this alleged debt 2. The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was reported 30 days late on my XXXX card on XX/XX/2018. I had reason to believe that I always made my payments on time. I am in the process of applying for a mortgage and my loan officer told me I was late. It was really heartbreaking to hear that. I tried disputing it with the credit bureaus but they said it was accurate but not sure how.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
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 am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Have been charged high interest rates and have always paid more than minimum due. 
Bank of America has been charging me 28 percent interest! Have always paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX/XXXX XXXX XXXX, account no.XXXX ... .is wrongfully reporting on my Experian credit bureau file.The account has been '' verified '' numerous times by Experian, XXXX  and XXXX   credit bureaus yet they ALL REPORT SUBSTANTIALLY DIFFERENT INFORMATION.The account was 30 days late in XX/XX/XXXX.60 days late in XX/XX/XXXX,90 days late in XX/XX/XXXX when it was subsequently closed by the creditor for non-payment on XX/XX/XXXX.The account was never brought current.The accurate date of first delinquency is XX/XX/XXXX and as such is two months away from ageing off of the report. ( 7 years, CALIFORNIA ) .IT IS AN OBVIOUS CASE OF RE-AGEING A COMMON PROHIBITED AND ILLEGAL PRACTICE ( FCRA ) .It is obvious from Experian 's two reports that re-ageing has taken place as a reaction to previous disputes.

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 2019-06-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have attempted for nearly 1 and a half years to have Experian, either permanently block a XXXX  XXXX XXXX Fraud account that had been blocked for 2/3 years and then randomly had a file split and lost numerous accounts in Good standing including XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX XXXX XXXX etc. The XXXX XXXX XXXX account was removed in XXXX and subsequently remerged without notification from Experian as required by law, in XXXX. I have at least 29 reports in the interim period that show the account was removed and further one that even says after reviewing and contacting the furnisher along with the police report we've determined the account was fraudulent. Fast forward to XXXX and these scumbags won't even acknowledge what the heck changed. I have said before the facts will be on my side, and they rely on this asinine notion that I will not file a lawsuit, but time after time they have seen first hand ( XXXX XXXX when consumers do sue IN FEDERAL COURT, and win! The recent Supreme Court case authored by XXXX XXXX strikes at the heart of developing jurisprudence surrounding the irresponsible invective that Experian who routinely breaks the law will be held account. Not only with a less sympathetic United States Supreme Court, as XXXX XXXX and XXXX have always given preference to State Courts ( The CRAs are terrified of this and routinely believe transferring to federal court gives them a leg up, how misguided with a new originalist court itching and having already in the words of XXXX XXXX whack a mole, to the notion of Federal powers over State ) what is just as damning is the complete take over by the Democratic Party in the United States House of Representatives, and with members like XXXX XXXX itching to pound Experian and XXXX  and Republicans in the Senate too wanting the same ( Senator XXXX, and Senator XXXX XXXX they are playing a stupid game. I was a victim of identity theft and under penalties of perjury and criminal action I filed the reports, including one with the Internal Revenue Service, I then sent Experian a XXXX package with the information and they deleted it until they didn't and now they won't EVEN EXPLAIN WHY IT WAS REINSERTED AND WHAT BASIS THAT WAS UNDER ASIDE FROM CONTACT THE FURNISHER, MO THE LAW SAYS YOU NEED TO AND THEN REPORT BACK AS TO WHAT CHANGED. THIS ISN'T A DISPUTE UNDER THE FCRA ITS A FACTA BLOCK REQUEST. I DEMAND THEY REMOVE 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 2021-04-27
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: Old information reappears or never goes away

Complaint:
I called Transunion to understand why my credit was again lowered, 2 years after what they thought was a missed lease closure payment ( it was settled 2 months later ). 
XXXX sent the correction at the time. But it was not recorded nor it brought to a raise back then. Now, 2 years later, it brought to one more hit on my credit score, which is costing me a higher mortgage refinancing rate proposed by my bank. 
My problem is even more general : the fact that I pay ( and paid for the last decades ) religiously, monthly bills for a total of more than {$5000.00} ( closer to XXXX these days ), does not map with the heavy score lowering for a few hundred bucks ( from the high 700 to the high 600 at the time, low 700 these days ).

The impression ( and complaint ) is that there is a credit bureau and banking system credit scoring cartel, to artificially lower the purchasing power of the middle class. 
There are thousands of credit score algorithms, whose formulas are well hidden, but every single one of them gives an exorbitant importance to late payment, independently of its size. 
From a logical point of view, this would push the cost of ( fewer XXXX large sums unpaid, on the ( larger number of ) small sums unpaid.

Nobody in the Credit Bureaus hierarchies ( I talked all the way up to a VP ) could explain any detail of the algorithm principles, as it's considered " automatic ''. 
But it's easy to reverse engineer the principles I delineated above. 
I have ( or can procure ) supporting documentation to prove payments and credit reports to show the impact, but I will provide it only upon request. 
Thank you and have a great day

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 2019-06-05
Company: Experian Information Solutions 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 am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-06-05
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 am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-06-05
Company: HOVG, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2007 The Statement said {$1800.00} but when i call the Bay Area Credit Service they said i own {$3400.00}. when i call the Bay area credit service and told them they said its not been pay. i call XXXX XXXX XXXX the gentleman said he been working here for 2 years and don't know where to look for this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2019 I received a cashier 's check from someone I had sold an item to. The check was for {$1800.00}, this included fees to pay the movers to pick up the item as well as the cost of the item. I did not release the items sold because I wanted to verify payment was legitimate. I went into Chase Bank, located at XXXX XXXX XXXX, XXXX, CA XXXX, to deposit the check. The bank teller ( name not remembered ) informed me the check looked legitimate and accepted it. On XX/XX/2019, I reviewed my Chase bank account and discovered the funds were available in my account. Based on the funds being available, I called Chase Bank and spoke with a bank representative ( on a recorded line ) to double check the funds were available in the account. They assured me the funds were there and it was okay for me to pay movers and have them pick up the sold items. Based on their confirmation and assurance, I submitted an online transaction via XXXX in the amount of {$1100.00} for movers to pick up the item. On XX/XX/XXXX I received an email informing me that {$1800.00} I deposited on XX/XX/2019 was returned. Due to this information, I went to Chase bank, located in XXXX, to discuss the situation and they informed me that I had been a victim of a scam and lost {$1100.00}. Together, we called Chase support to open a fraudulent claim and spoke with XXXX XXXX ( refused to give her last name ) who informed us they were not willing to reimburse us the money we lost due to fraud. I believe Chase Bank is responsible and should refund me {$1100.00} due to me depositing a check through a teller and them not spotting a fraudulent check, calling them to confirm funds were available and their assurance it was a safe transaction to proceed via an online service that they offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi Bank Closed my XXXX XXXX Citi XXXX credit card. I would like to get my credit card back. There is no written statement that said if i missed some payments the card will be closed. I have been making regular payments toward this account. I would like to have this credit card back with the same terms and conditions. I dont want to reapply for another account if i have a card that was already given to me by Citi Bank. My friends have this credit card and i would like to be able to have the same advantages i had using this card.

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 2019-06-05
Company: McCarthy, Burgess & Wolff, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The to my personal number from McCarthy, Burgess & Wolff ( XXXX ) the person they are attempting to contact is XXXX XXXX. This is not me, I do not know this person or have any association with this person. 

The number they are calling has been my personal number for 17-years. 

I have told their agent that this is nor me and requested that they remove my number from their records. 

My voice mail greeting now states all the above facts ( I am not the person they are looking for ) with a repeated request that my number is removed from their records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 request that these accounts formally be substantiated data conferred to the major credit bureaus for me, XXXX XXXX with respect to the unverified accounts mentioned below Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after it was acquired. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak Also I have received a credit report claiming that I owe a debt to these companies yet I never seen a single letter prior to the listing of the negative items.Since this is an error I demand that you send me the following proofs. Since I had some issues of fraud I need everything double check and reinvested As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 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 # XXXX XXXX XXXX # XXXX Please send notice of a cease and desist to all creditors until documentations are properly provided. 
What would

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 2019-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Portfolio Recovery Associates, LLC. -they call my phone once per day, 7 days a week. Between the hours of XXXX XXXX-XXXX XXXX central. It's a automated call at first. When I answer, it takes approximately 15 seconds before a live person joins the line. They'll have people representing that their a law enforcement official. They use vulgar language and intimidation while on the phone. They never explain what the debt is for. Or for how much. They ask for personal information before being able to reveal the debt. They'll even call friends and family of mine harassing them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I reviewed my credit reports and see that there is this XXXX XXXX Credit Card AKA XXXX  XXXX   XXXX that I did not authorize to open in my name. This account was fraudulently opened in my name. The balance says I owe {$610.00}, which I do not. Please have this fraudulent account removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA
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 was never late on my mortgage, I demand proof or remove in XXXX  days

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: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested for the company to send me a copy of the original contract bearing my name on XX/XX/2019.  The company only sent me a copy of bill from LVNV Funding, which is the same collection company as Resurgent Capital Services. The has yet to send me a copy of any contract from the original creditor with my signature agreeing to the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XX/XX/XXXX we discovered a fraudulent savings account had been opened at Goldman Sachs Bank by a third party who illegally obtained our personal data. We contacted the bank immediately at that time by phone and US mail, requesting that the account be closed. However, over the next 10 months we continued to receive correspondence referencing this fraudulent but still active account, forcing us to recontact the bank on XX/XX/XXXX. We learned at that time the account had in fact NOT been closed. Having heard nothing from them over the next two weeks, on XX/XX/XXXX we again requested by phone and US mail, that the account be closed immediately. We have been told verbally the account is closed, but so far have not received complete and accurate documentation to that effect. We have also continued to receive correspondence from Goldman Sachs referencing this account as late as XX/XX/XXXX. On XX/XX/XXXX we again contacted Goldman Sachs Bank by phone, but the Fraud Department representatives refused to speak with us directly to resolve this issue. We are still waiting to hear from them.

Company response to consumer: Closed with non-monetary relief