BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the validity of several accounts that have been reported on my credit report. The accounts in question are : XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  FL XXXX XXXX XXXX Bankruptcy XXXX XXXX I believe that the reporting of these accounts is in violation of several laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

According to the FCRA, all information reported on my credit report must be accurate, complete, and verifiable. I have reason to believe that the information reported on these accounts is inaccurate and incomplete. Additionally, the FDCPA requires that all debt collectors treat consumers fairly and prohibits certain practices, such as harassment and misrepresentation. I believe that the reporting of these accounts may be a violation of the FDCPA. 

Therefore, I am requesting that you investigate these accounts and provide me with evidence that the reporting is accurate, complete, and verifiable. If you can not provide such evidence, I request that you remove these accounts from my credit report. 

Thank you for your attention to 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 2019-02-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I filed a dispute with XXXX XXXX in regards to an item on my credit report under Portfolio Recovery that I had no knowledge of. I filed a second dispute on XX/XX/XXXX with XXXX XXXX and on XX/XX/XXXX I filed a complaint with XXXX XXXX XXXX. The account they have on my credit report is for {$1500.00}. I have been trying to communicate with them to remove this item as I did not open an account nor do I have any knowledge of such. If any such account was created someone must have used my information and created and used it without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Credit card company XXXX ( Bank of America ) sold my account to another company ( XXXX ) but XXXX never closed the account. I'm paying XXXX and XXXX monthly for same account. 

XXXX and XXXX member number are the same # XXXX XXXX XXXX XXXX expiration date XX/XX/XXXX ( XXXX ) -XXXX-XXXX XXXX XXXX expiration date XX/XX/XXXX ( XXXX ) -XXXX-XXXX I've been calling and dealing with this for a year and I'm paying XXXX   {$50.00} a month and XXXX {$97.00} a month. This is a financial hardship for me, the money is being taking out of my account and no one is helping me. I've called XXXX who sold my account and no one can tell me why they are still taking money from my account. I'm retired and going through financial hardship and in desperate need of help. Both accounts are closed.

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 2021-06-03
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As of XX/XX/20, I paid the Medical bill owed to Transworld systems Inc. a total of XXXX dollars. I was in hardship and could not pay for a while A few months to be exact. I paid it in Full and requested it taken off of my Credit report. It's hurting my business and personal credit it's making it hard for me to acquire credit for my business and my personal life. Just asking them to remove this derogatory remark so I can move on with my XXXX, Thank you XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new checking account on XX/XX/2020. According to the offer code XXXX I was meant to receive a {$100.00} bonus if I receive two qualifying direct deposits within 90 days of opening the account. On XX/XX/2020 and XX/XX/2020 I received XXXX direct deposits, and up-to-date I still didn't receive the {$100.00} bonus. On XX/XX/2020 and on XX/XX/2020 I inquired why I didn't receive it, but I am still waiting. 
In the attached letter they refer to the 'Personal Schedule of Fees ' for further exlanation of eligible regular monthly income. I am also attaching a copy of the schedule which explains on page 17, that any payer that uses your account number to deposit regular monthly income is a qualifying direct deposit.

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 2020-12-11
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
While I was in the process of buying an XXXX XXXX ticket on XX/XX/2020, I was offered a Citi XXXX with a {$250.00} statement credit and 40,000 bonus miles for spending {$2000.00} in 3 months. So I applied, was instantly approved, and the ticket was charged to my new Citi card in the amount of {$310.00}. 


But now ( XX/XX/2020 ) I'm told that the promotional offer is not valid because I had another Citi AA card almost 2 years ago. If that's the rule, I have no problem with that. 


What I have a problem with is Citi making the offer and accepting my application under false pretenses. 


There was no overt or obvious warning during the application process about the 2 year exception to the offer. Furthermore, this could easily be prevented! The application process could simply be connected to their customer records to alert certain applicants that theyre not eligible. 


This is operating in bad faith, and the reason Citi and other banks/lenders have such a well deserved bad reputation. It's predatory lending.

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 2020-12-11
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Bought A Visa Gift Card for {$500.00} on XX/XX/XXXX and another for {$500.00} pm XX/XX/XXXX. I use them as budgeting tools. Registered them to myself and set a pin. Tried using it in retail stores or online and was unable to through neither credit nor debit. Contacted the Company on XX/XX/XXXX. Their call center is in some 3rd world country. I requested replacement gift cards. I was told they would arrive within 7-10 days. It has been over 2 weeks and I have not received the cards nor a tracking number indicating when my cards will get here. 

Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my TRANSUNION REPORT XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2022-01-10
Company: EQUIFAX, INC.
State: IL
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:
I, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report. No consent is Identity theft. A copy of the law is attached with this dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-01-26
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I paid off my car loan in its entirety causing an overpayment of {$640.00}. I am still waiting to get these funds. Each time I call they say it is pending or all they are able to do is send an email to those responsible for writing the check.

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 2021-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is going to be my 3rd complaint with Portfolio. They continue to state they validated this debt, state they send validation notice but can not provide me with the copy of the notice they state that was sent on XX/XX/XXXX. I find it so strange how if they are so positive that this debt is mine and they have the right to owe it why do they refuse to send me anything but a summary of their account and bills statements. 

There is nothing at all that has been provided to me that shows that they bought this debt or a written agreement with the original creditor nothing. 

Bill statements being repeatedly sent for the same dates and they refuse to provide me with a bill of sale from the original creditor with them showing they have the right to claim this debt. 

Only info provided has been as follows Date opened with them XX/XX/XXXX Bill statement due date XX/XX/XXXX with balance of {$1600.00} Bill statement due date XX/XX/XXXX with balance of {$2000.00} Bill statement due date XX/XX/XXXX with balance of {$2100.00} Bill statement due date XX/XX/XXXX with balance of {$2300.00} Where is he bills statements from XX/XX/XXXX - XX/XX/XXXX Bill statement due date XX/XX/XXXX with balance of {$3000.00} Bill statement due date XX/XX/XXXX with balance of {$3100.00} I find it very hard to believe that they can not produce the original validation notice or the bill of sale to show me they really owe this debt. 

I find it hard to believe they do not have my date of first delinquency or the bill showing the charge off. 

Portfolio has made every attempt to ignore every attempt I have made to get the information needed to determine if this is mines, if the balance is real and if they have any rights to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX dropped my score. Update my file with wrong And outdated information.. they have no car win the world to hurting people like me. I work for my money, and I worked hard to pay of my own bills. This agency should not be handling credit information for the American people. They simply do not check accuracy, and they dont care what goes on the report and what hurts people. Im buying a house, I paid everything off. As it should be reflected correctly. Why in this universe would my score drop XXXX point with false information.? Why would they not check for accuracy? This is unlawful! This if fraud my reporting agencies. This should be legally dealt with!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I applied for a card online and received a confirmation of application. American Express emailed me the notice attached to this complaint which did not contain the terms of the agreement, a link to details, or anything of the sort. I clicked the link with the expectation that this would lead me to an offer details page, terms of the credit card agreement, or similar. Instead, after clicking the link it just stated that everything is complete and my credit card is on the way. 

I contacted the company and they responded that all they could do is cancel the card. Meanwhile, I have a hit on my credit report, etc. 

I found their practice to be highly deceptive, without clear disclosures of what I was signing up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America placed my home loan into foreclosure after i explained to them last XXXX i was laid off permanently from my job and needed forebearance through the CARES ACT

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 2018-11-02
Company: Nationwide Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a letter dated XX/XX/2018 from the collection agency. On XX/XX/2018 at XXXX they were already calling me trying to collect the debt. Pursuant to the Fair Debt Collection Practices Act I have 30 days to dispute the validity of the debt. I have just sent them a certified mail disputing the claim, but they have not received it yet. They have no right calling me before the 30 days is up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: TX
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:
To date, the following accounts still appear on my Experian credit report ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX. Inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX on XX/XX/XXXX. 

Pursuant 15USC A 1681 2A ( i ) a consumer report does not include ; Any report containing information solely as to transactions or experiences between the consumer and the person making the report. ( B XXXX Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

15 USC 1681b ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I have requested proof of my written instructions a consumer to provide those companies with my information, and a signed and notarized affidavit of fact dispute each item. I have not received one.

I requested a copy of my credit file as described in 15USC 1681 ( g ) ; File means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. I have not received it.

Pursuant to 15 USC 1681a ( q ) ( 3 ) Identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. 

I filed the appropriate identity theft report indicating that my information had been released to companies without my permission and requested a block. The block was never provided.

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 2022-04-20
Company: EQUIFAX, INC.
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:
This Closed accounts that are on file are a result of identity theft I have reached out several times about these items that will be listed below. 

XXXX XXXX  Opened XX/XX/XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation