BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-27
Company: Firstsource Business Process Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In early XXXX, XXXX I returned a phone call from Firstsource Advantage , LLC looking to settle a debt I owe XXXX XXXX. This was used as a business from business I owed that is now defunct. I made on offer to settle the outstanding balance of XXXX to XXXX XXXX. After a discussion about what was an acceptable amount, I told the agent at Firstsource that I could settle for {$2800.00} ( letter provided ) at the end of XXXX. He stated he would discuss my offer amount with XXXX XXXX. About 10 days later I received a letter offering to settle for {$2800.00} if paid by XX/XX/2020. The amount was paid on XX/XX/XXXX and acknowledged in the second letter I have provided. I called on XX/XX/XXXX to Firstsource as the second letter states that I still owe a balance of {$8900.00}! 
They are now claiming, from my recent phone call, that the amount agreed upon IN WRITING is not enough to settle. Please contact them and have them send me a " Paid in Full '' or settlement letter to close this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had a Citibank Mastercard opened around XX/XX/XXXX. I'm thinking several years after I had my Mastercard with Citibank and some other accounts that I had. I had to file bankruptcy do to being unemployed at the time. While within the last 2 weeks I had applied for a secured Mastercard with Citibank and they denied me because I filed bankruptcy in the XX/XX/XXXX. I assumed after a person credit reports were cleared that they can we apply for credit again, and even if it's with the same creditors. 
How can a bank still hold something against a person something that happened over 20 years ago.

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 2021-07-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom This May Concern, My name is XXXX XXXX. I am reaching out due to the credit bureau systems disregarding my rights as a U.S. Citizen, and failing to uphold my report in good standing due to their negligence of my rights. I dont appreciate my case being dismissed due to the fact that the bureaus expect me to water down my intelligence, as an excuse to not be held liable. I have attached a written letter sent to my XXXX XXXX XXXX XXXX address stating XXXX received my initial dispute on XX/XX/XXXX. Today is XX/XX/XXXX, and these reports havent been updated as being disputed on my credit profile which is dated- systematically ( Photo attached ). I reached out to the bureaus in regards to removing discrepancies off my reports. According to law 15 U.S.C 1681a ( d ) ( 2 ) ( B ) & 15 U.S.C Code 1681a ( d ) ( 2 ) ( A ) ( iii ) - A credit card is not supposed to be on your credit report. Its also stated that a creditor has to notify the consumer and receive consent before reporting to the bureaus. These are all violations of my rights, as I dont know any of these names, and was never aware of these inaccuracies until recently accessing my reports. I ask that you mandate the bureaus to remove all derogatory marks immediately, and adjust my score accordingly to reflect my good standing and 100 % payment history. I have personal obligations that have been withheld or denied due to these issues. I also want to highlight another violation of the bureaus- I reached out on XX/XX/XXXX, and have written several letters since about these derogatory remarks, and today - XX/XX/XXXX, they have NOT updated any of them as being disputed on my credit report. Its currently past the 31 day mark. I ask that you hold them accountable to these violations or I will pursue a legal suit. I appreciate your understanding, and efforts to effectively resolve these matters. 

Regards, XXXX XXXX ( SSN CARD, ID, and Letter from XXXX attached with other evidences to prove this statement was written by ME )

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 2020-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX  XXXX XXXX  failed to send me a statement on an account that had a XXXX  balance, they charged a {$5.00} annual fee which I told them I wanted to pay all at one time and they refused to take a {$60.00} payment for the year. They then reported this to the credit bureau as a delinquent account. I had no knowledge they had charged me and no knowledge this was late. When I called on XX/XX/2020 to get some clarification they hung up on me.

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 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I had an account with XXXX XXXX and then I got a refinance loan with XXXX XXXX at a cheaper rate. The car was paid off in the transaction. I paid the account as agreed on a monthly basis. The account was recently posted to Credit bureaus from XXXX? Why is this just now being viewable on my reports??? The dates are false. Its XXXX! Also they would repossess the car if I was to be 120 days late. They have caused my credit score to take a big hit while I was in the process of purchasing a home. The account details reported are listed below. I want restitution from this creditor and my credit reports updated with this information updated with payoff and in good status along with deletion of derogatory status. 

Status Date Reported XX/XX/XXXX????? 
Payment Status 120 Days Late * ( I was never late, Made Monthly payments ) Account Details Bureau Name XXXX XXXX Account Type Auto Loan Responsibility Individual Original Loan Amount {$27000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX This was paid off by new loan with cheaper rate. These dates are wrong Payment Details Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Term 72 Months Payment Frequency Monthly ( every month ) Lender Info XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Remarks Closed. ****It was paid off in a positive status and not late*******

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 2018-05-29
Company: Experian Information Solutions Inc.
State: GA
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 submitted this information multiple tomes and no response from debt collector and experian is reporting as accurate and hasn't provided the proof that is being submitted for this Experian XXXX. XXXX   XXXX XXXX, TX XXXX RE Account : XXXX XXXX XXXX amount {$2600.00} To Whom it May Concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

If you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.

According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Our names areXXXX and XXXX XXXX. We have a home equity loan with PNC Bank for the property of XXXX XXXX XXXX XXXX  NJ XXXX, loan number XXXX. On XX/XX/XXXX, we received a letter that the payment system of payment coupons changed to statements and we were supposed to receive a new account with a payment due date of the XXXX  of each month. We would pay during the first few days of the month, but the new system is not allowing us to pay until exactly the XXXX of the month. OnXX/XX/XXXX and onXX/XX/XXXX, we sent our payments, but they were considered as principal payments instead of payment for the month. Therefore, on the XXXX of the last two months we received a call from PNC saying that we did not make the payments and we were delayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Kimball, Tirey & St. John LLP
State: NV
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 has permitted the collection agency of Kimball, Tirey & St. John to report an inaccurate account on my credit reports. Upon further review, the account apparently originated from a property management company called XXXX XXXX XXXX. I have no knowledge of this account. In accordance with 15 U.S.C. 1681i ( Fair Credit Reporting Act ), 15 U.S.C. 1692 ( a ) ( Fair Debt Collection Practices Act ), 42 U.S.C. 3604 ( Fair Housing Act ), and California Government Code 12940, et. seq. ( Fair Employment and Housing Act ), please provide validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no business or contract with this company. They have placed erroneous reporting on my credit report. I want it removed.

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 2021-07-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have repeatedly requested for a security alert to be removed from my credit report. I have provided copies of passport, drivers license, insurance forms, bank statements. They completely ignore my request or request the exact same documents over and over. I want punitive action taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: WELLS FARGO & COMPANY
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:
The information on this account is wrong and should be removed.

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 2020-10-11
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2020 I find it appalling that a secondary debt buyer, LVNV Funding LLC, is actively filing lawsuit across state line against people who are struggling under a pandemic with unemployment, health and uncertainty. I will be filing regulatory complaints, forwarding my complaint to national law offices for their review, posting my complaint on consumer advocacy sites ( including social media ) and writing to U.S. Senators ( including XXXX XXXX ) and other government officials of your practices to raise awareness to others of what you are currently doing. 

I have never engaged with your company for any request of credit, services or for anything else. I dont know who you people are. 

I do not have any responsibility for the debt you are trying to collect. 

Because of recent catastrophic personal events, ( including unemployment, personal and family health issues ) I have become insolvent. I have exhausted any available cash/credit to continued payments to any creditors that might be demanding payments on debts they say I owe. At the moment, I am seeking assistance from others to help pay for my health and living expenses and selling personal property of mine for day to day survival needs. 

I do not see a radically change occurring in my situation in the foreseeable future. As such, I hereby request that you Cease & Desist on this matter including withdrawing the lawsuit you filed via a XXXX, Texas office XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: PA
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 BEEN GOING BACK AND FORTH WITH THE CREDIT BUREAUS AND DISCOVER. I AM A VICTIM OF IDENTITY THEFT, IN XX/XX/2017 CREDIT CARD WAS OPENED IN MY NAME ( ACCT NUMBER XXXX ), AND DISCOVER ALLOWED IT. THIS HAS BEEN AFFECTING MY REPORT NEGATIVELY AND I HAVE SUBMITTED POLICE REPORT, FTC REPORT SIGNED AND NOTARIZED, DISPUTES, MY LICENSE, SOCIAL AND PROOF OF ADDRESS. XXXX HAS IGNORED MY REQUESTS FOR DISPUTES, PROVIDED ILLEGAL VERIFICATION OR VALIDATION OF THE DEBT. AT THIS POINT I AM WILLING TO GO TO COURT TO LITIGATE THIS MATTER AS I AM A VICTIM OF IDENTITY THEFT AND THIS COMPANY REFUSES TO ASSIST BY REMOVING THE ACCOUNT OFF MY CREDIT REPRTS ( ALL THREE BUREAUS ) I AM REQUESTING REMOVAL IMMEDIATELY OTHERWISE I WILL BE LOOKING FOR COMPENSATION FOR EACH VIOLATION AND EACH DAY THAT IT AFFECTED ME. I WILL ALSO BE FILING A COMPLAINT WITH THE FTC AGAINST XXXX, STATE ATTORNEY GENERAL, AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
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: Information belongs to someone else

Complaint:
The information on this account is wrong and should be removed.

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 2021-07-20
Company: Experian Information Solutions Inc.
State: PA
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 BEEN GOING BACK AND FORTH WITH THE CREDIT BUREAUS AND DISCOVER. I AM A VICTIM OF IDENTITY THEFT, IN XX/XX/2017 CREDIT CARD WAS OPENED IN MY NAME ( ACCT NUMBER XXXX ), AND DISCOVER ALLOWED IT. THIS HAS BEEN AFFECTING MY REPORT NEGATIVELY AND I HAVE SUBMITTED POLICE REPORT, FTC REPORT SIGNED AND NOTARIZED, DISPUTES, MY LICENSE, SOCIAL AND PROOF OF ADDRESS. XXXX HAS IGNORED MY REQUESTS FOR DISPUTES, PROVIDED ILLEGAL VERIFICATION OR VALIDATION OF THE DEBT. AT THIS POINT I AM WILLING TO GO TO COURT TO LITIGATE THIS MATTER AS I AM A VICTIM OF IDENTITY THEFT AND THIS COMPANY REFUSES TO ASSIST BY REMOVING THE ACCOUNT OFF MY CREDIT REPRTS ( ALL THREE BUREAUS ) I AM REQUESTING REMOVAL IMMEDIATELY OTHERWISE I WILL BE LOOKING FOR COMPENSATION FOR EACH VIOLATION AND EACH DAY THAT IT AFFECTED ME. I WILL ALSO BE FILING A COMPLAINT WITH THE FTC AGAINST XXXX, STATE ATTORNEY GENERAL, AND 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 2021-05-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted a dispute to Equifax to remove an mortgage account that was more than XXXX XXXX XXXX. Equifax results were " We verified that this item belongs to you. This account has been updated. Additional information has been provided from the original source regarding this item. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, IA XXXX Phone : ( XXXX ) XXXX '' On XX/XX/XXXX I submitted a dispute again to Equifax to have the same mortgage account removed. Equifax results were " We verified that this item belongs to you. This account has been updated. Additional information has been provided from the original source regarding this item. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, IA XXXX Phone : ( XXXX ) XXXX '' On XX/XX/XXXX I called Equifax to attempt to resolve the issue with the company however, I was told the lender reported the account active as XX/XX/XXXX and to contact the lender. I attempted to escalate my issue to supervisor/manager both time I was hung on and second time before the customer service rep disconnected the call she asked that I called back in a couple of hours because their system was down. I told her I would wait on hold until the system was working again but she disconnected the call. 

So I decided to attempt to reach out to the mortgage lender however, upon a XXXX I found that " XXXX XXXX XXXX XXXX was a residential mortgage loan originator and servicer based in XXXX, XXXX XXXX. As a result of its exposure to subprime lending during the subprime mortgage crisis, the company filed for bankruptcy protection in XXXX and underwent liquidation in XX/XX/XXXX. '' Equifax has violated Fair Credit Reporting Act ( FCRA ) by furnishing old information as new information and completely falsifying my dispute by stating the account was verified with a company that no longer exist. 

Additionally, I no longer can access the dispute results from XXXX it appears the company has deleted the dispute file within my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 an 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 explanation
Consumer complaint received 2020-06-29
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified Equifax of this and it is Equifax who should make these changes by removing the inquiries. 

XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX  XXXX  XXXX Sales Financing Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation