BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-12
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I saw a collection on my credit report by Conserve. I had already paid my school what I owned them. When contacting them on XX/XX/XXXX I informed them and they refused to remove it from my report. I informed them they were reporting it a debt paid and they did not collect the debt. I asked both the person who answered as well as the manager. Did you collect the debt? She just have a contract with the school. I asked again You have this on my credit report as paid to you. Did you collect the debt? Same answer this time she was being an XXXX and goes " Did I collect the debt personally ''. Also their letter they send out to people has a XXXX number. Basically on purpose forcing someone to call their XXXX area code number. I contacted the school and they even cleared the debt so there is no debt for this XXXX company to collect not can they legally report it on any of my three credit bureaus. 

Trying to select ConServe is says do not use.. The company I am is ConServe aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been trying to fix my credit report and in XX/XX/XXXX, I had sent XXXX XXXX a forgiveness letter for a late fee that I obtained back in XX/XX/XXXX. XXXX never responded to these letters & in XX/XX/XXXX my account was closed. I was not late on any recent payments and had a low balance & was still using my card appropriately. There was no reason to have closed my account. I called & spoke with customer service in the credit department and no one could tell me why my account was closed. The manager did not want to get on the phone with me and the sweet lady tried to figure out what the issue was and after over an hour of being on the phone & reading through the notes, she simply said. I have no idea why they closed your account unless XXXX got confused on the year you were explaining why you were late. She apologized several times and gave me XXXX 's phone number and told me I could get more specific answers from them but my account couldn't be reopened but I could apply again for another account. I DO NOT WANT TO APPLY FOR ANOTHER ACCOUNT!!! I never asked for my account to be closed and wasn't given any reason for it to be closed. I wasn't disputing any late fees in XX/XX/XXXX. My credit score was pulled down 10 points for them closing out a good credit card. I am requesting they reopen my account or they can delete it from my credit report altogether. This is not a way to do good business with your customers and I had been a loyal customer since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-21
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sunrise Credit Service ( collections Agency ) is asking me to pay {$150.00} for XXXX XXXX XXXX for an account ( Mobile Phone ) fraudulently opened by an unknown individual in my name. 
Date XX/XX/2023 2023

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 2021-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
At the time that the credit card was open, I was incarcerated. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. The credit card was opened on XX/XX/XXXX. The charges occurred between the dates of XX/XX/XXXX to XX/XX/XXXX. Therefore, the card was not opened or used by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company listed as Fair Collections and Out ( FCO ), showing a balance of XXXX which is an incorrect balance. It was sold to them by the original creditor and has been updated. to paid {$0.00} balance. I never consented to having my personal information sold a collection. Until recently the account was listed as a open charge off. This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. The actual balance originally owed was reported incorrectly to XXXX by XXXX XXXX. Per the Fair credit Reporting Act because of this the this item should be completely removed even thought the amount is now been update to a {$0.00} balance. Have it being reported at a higher amount has damaged my credit due to this simple mistake im requesting that it be removed immediately from all 3 credit reporting agency 's I've reached out to all three credit reporting agencys several times with documentation of the actual balances and nothing has been done about this in the legally require time to correct this the company 's own statement of account shows the correct balance amount. This is not " fair credit reporting '' by increasing the amount and should be deleted

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 2023-07-21
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Sued and garnished for over {$6000.00} by XXXX XXXX XXXX. I believe used illegal collection tactics. Without legal notifications. I have court XX/XX/2023 with this collection company. Look forward to disputing the claims in court. No surprise that this company is currently under investigation. Typical behavior from a company that will do almost anything for the almighty dollar. Hope this company is investigated thoroughly.

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 2021-12-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX the XXXX and XXXX the XXXX XXXX made numerous changes to my American Express bluebird card for a total of {$600.00}. I never order or received any products from XXXX. I have been unable to get a refund from XXXX or American Express. Please help me resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Good evening my name is XXXX I have an account in XXXX and they send me reports about my credit and I just got 2 different hard credit inquiries in 4 days without my authorization and without asking for any loan or new credit car at all in the last months. 
just want to be sure there is not any problem with identity theft. 
this are the companies and dates : XXXX XXXX XXXX on XX/XX/2020 Comenitycapital/XXXX XX/XX/2020 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: Upgrade, 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: Account status incorrect

Complaint:
In XX/XX/2023. Upgrade Inc reported late payment on my credit report and after thorough investigation, the company found out they made an error reporting late payment to 3 credit bureaus. This account was never late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-16
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: Their investigation did not fix an error on your report

Complaint:
Transunion should be investigated pertaining to their handling if my credit report. Despite paying down debt, increasing available credit Transunion engages in practices that keep my credit score poor. They lower my score once notice of a debt is paid then shortly after increase it to were it was. Never really increasing to reflect the responsible actions in my part. In over 1 year of paying my debts I am still at the same score with Transunion versus XXXX. 

After increasing my available credit and paying on time XXXX brought my score up on excess of XXXX points, Transunion an increase of 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 2021-12-16
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:
I have written to Experian to bring to their attention numerous inaccuracies in my consumer report and file that are damaging. These negative and damaging information has caused me so much anxiety and many lost opportunities to apply for credit cards, buy a car or apply for a mortgage. 
According to the FDCRA 15 USC 1681 e ( b ) and 15 USC 1681 i ( a ) 1 ( A ) I'm requesting a reinvestigation into ALL the accounts mentioned in sent letter. As a consumer I am excercising my right to dispute this incorrect information.

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 2021-05-02
Company: Capital Management Services, LP
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Starting 6-12 months ago I began to receive up to 3-4 calls from this company per day. I have had very poor health and have been in and out of the hospital. The calls are now daily, and often at XXXX XXXX, waking up during the night and causing me to either miss or perform poorly at work. It is extremely devastating and has been a very hard toll on my quality of life. Often agents are incredibly short with me and hesitant to reveal any information regarding my debt. 

It is so bad that my voicemail completely fills up within a week or two, and important messages from my doctors are not able to be recorded to my voicemail. This is extremely bad for my health, as I have been and currently still am awaiting information regarding some very acute and life threatening medical conditions. 

I have asked them to reach out via email instead of leaving me upwards of 3 voicemails PER DAY, but it has not helped. Unfortunately I am not able to identify which numbers belong to them. The voicemails range from XXXX XXXX to XXXX XXXX, but I am sure there are many other calls that have not gone to voicemail that I am unable to identify. 



I would also like to note there is a very strong possibility this debt was incurred whilst I was a minor, which my legal consult has urged me to mention. I am not sure how the proceedings for such a situation normally go, but I believe it is important should they actually give me pertinent debt details such as amount and origin.

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 2021-11-04
Company: EQUIFAX, 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:
I have previously disputed with transunion, experian and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-06-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dear CFPB, I made an online purchase on XX/XX/XXXX from XXXX for some tires. My total was {$120.00}. XXXX never did fulfill my order and I have been unable to get a refund from them. I have numerous email 's between XXXX and myself, with them always promising that the merchandise would ship soon. After several back and forth with the company, I decided to dispute the charge with Chase Bank as I used my debit card to pay XXXX. I called and verbally disputed the transaction with Chase on XX/XX/XXXX. They sent me a letter dated XX/XX/XXXX stating that there investigation was that the charges were valid. Perplexed on how they could come to such a conclusion, I sent them a letter by certified mail appealing that decision and sending them copies off all the communication between XXXX and myself. I mailed the letter on XX/XX/XXXX and it was delivered on XXXX XXXX, XXXX. I have yet to hear back from Chase about my appeal. 

I wish for the CFPB to contact Chase Bank and to help me recover my {$120.00}. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IN XXXX MY IDENTITY WAS STOLEN I FILED A POLICE REPORT. IN THE BEGINNING OF XXXX I STARTED TO SEE ACCOUNTS OPENING IN MY NAME NAVY FEDERAL WAS ONE OF THOSE ACCOUNT SO I DID ANOTHER POLICE REPORT AND PLACE THE FRAUDULENT ACCOUNTS ON THERE IT WAS INVESTIGATED BY XXXX XXXX POLICE AND THIS ACCOUNT WAS PROVEN NOT TO BE MINE SO IT WAS REMOVED FROM MY CREDIT REPORT. THIS XXXX XXXX ACCOUNT HAS REAPPEARED ON MY CREDIT REPORT WITH ANOTHER ACCOUNT NUMBER SO THAT IT COULD BY PLACED ON MY CREDIT AGAIN. IT IS THE SAME INFORMATION THAT WAS ON THERE THE FIRST TIME BUT NOW UNDER A DIFFERENT ACCOUNT NUMBER. I HAVE SENT CERTIFIED LETTERS ASKING THEM TO SENT ME A COPY OF ALL PAPERWORK BEARING MY SIGNATURE OR REMOVE THIS ITEM FROM MY CREDIT REPORT FREEDOM PLUS I HAVE NEVER OPEN AN ACCOUNT WITH THEM THERE ARE NOT WILLING TO ASSIST ME WITH THIS ACCOUNT. BECAUSE THE PERSON WHO OPENED THE ACCOUNT HAD ALL OF M INFORMATION.. WELL WHEN PEOPLE STEAL YOUR IDENTITY THEY CAN YOUR LIFE HISTORY THEY KNOW INFORMATION THAT CAN GET THEM LOANS OR CREDIT CARDS OR WHATEVER THE CASE MY BE. I HAVE SENT CERTIFIED LETTERS ASKING THEM TO SENT ME A COPY OF ALL PAPERWORK BEARING MY SIGNATURE OR REMOVE THIS ITEM FROM MY CREDIT REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: BARCLAYS BANK DELAWARE
State: AZ
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 requested a balance transfer of {$12000.00} with my credit card company Barclays Bank and it was approved and deposited to my bank account with XXXX XXXX  on XX/XX/2021 in the amount of {$12000.00}. My account with Barclays reflects that they have made two duplicate deposits for {$12000.00} each totaling {$24000.00} with two duplicate balance transfer fees of {$360.00} each totaling {$730.00}. They have made only one deposit to my bank account with XXXX XXXX for {$12000.00}. I have credit line of {$17000.00} and they are reporting to the credit bureaus negatively, and it has impacted my credit score and credit report negatively. I have not been able to apply for any credit during this time as it affects the interest rate. I have made numerous attempts to resolve the issue. First phone call attempt was made on XX/XX/2021 at XXXX XXXX. and I spoke with XXXX advising of the issue and was reassured it would be addressed. XX/XX/2021 I spoke with XXXX at XXXXXXXX XXXX. and was reassured it would be addressed, with no record of my phone call from the day before. XX/XX/2021 I requested to speak with a manager due to being told no record of the phone call and spoke with XXXX in the Customer Care Department and was reassured it would be addressed and was provided with case number # XXXX. I was advised the issue would be addressed and that they would update my account and report the correct information to the credit bureaus removing the duplicate balance transfer of {$12000.00} and duplicate transfer fee of {$360.00}. I requested XXXX to follow up and update me on this matter and she agreed. Today is XX/XX/2021 and the issue still has not been resolved and I have not received a call back as promised by XXXX. I have a payment that is due XX/XX/2021 for the incorrect amount and I am very frustrated that XXXX has not addressed the issue with my account and updated the bureaus correctly. This issue has dropped my credit score from XXXX to XXXX. I have the credit card account for an emergency and now can not use my credit line to bury my father that just passed away due to XXXX. His cremains sit at the funeral home while the bank does nothing to fix this issue. I take good care of my credit by paying my bills on time and should not be impacted like this. I've explained the urgency to XXXX as I'm working through this difficult time. Please escalate this issue so my family and I can bury my father. Thank you.

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 2020-07-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I was going over my credit report, I noticed inaccuracies and inquiries that did not belong to me nor do I have any recollection of. Between XX/XX/XXXX and XX/XX/XXXX there had been 14 inquiries from various creditors that I do not recall trying to get credit from. 7 inquiries on Experian, 3 inquiries on XXXX  and 4 on XXXX. I had multiple items marked as delinquent, derogatory or collections that are not mine. 

On XXXX at XXXX I filed a police report with the XXXX Police Department about the accounts and inquiries. On XX/XX/XXXX I then sent certified letters and the police report to all the Credit Agencies concerning these fraudulent accounts. 

I received a response from XXXX  on XXXX with my full XXXX  report stating that they did an investigation. Only a few things that were fraudulent were actually removed. 

On XXXX I received a response form Experian and the same thing was repeated only a few fraudulent accounts and inquiries were removed. I did not receive a letter from XXXX. 

On XXXX I checked my credit report and saw XXXX  removed 16 of the 19 fraudulent accounts, Experian removed 12 of the 25 fraudulent accounts, and XXXX  only removed 4 of the fraudulent accounts. 

On XXXX I wrote to all the agencies asking them to verify how they verified the fraudulent accounts as being accurate. 

On XX/XX/XXXX I looked over my credit report and accounts that were removed were added back to my credit profile and had not been properly investigated or Validated. I then wrote a third letter on XXXX to all the agencies asking for proper Validation, and to delete the fraudulent accounts. 

On XXXX I looked over my credit report once again to see more fraudulent accounts that were once removed added back to my credit profile plus additional fraudulent accounts added to my XXXX  and Experian. XXXX  removed 9 of the 13 accounts. 

On XXXX I flied a supplement police report with the XXXX PD Report # XXXX and also flied an FTC Report # XXXX concerning ongoing issues.

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