BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-28
Company: CITIBANK, N.A.
State: IA
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:
XX/XX/XXXX my credit report says I applied for some personal loan with Citi financial. I never did this I called company and they referred me to you guys. I left a message with you on XX/XX/XXXX. It made a hard inquiry on my credit report I have not had hard hit since XX/XX/XXXX. I want it removed or will take further action. I will wait for your response. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: TRANSWORLD SYSTEMS INC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed up for XXXX XXXX in XXXX and used a landline account from then until XXXX. Dial XXXX to call. We came to the conclusion that it would be preferable to try a different provider because of the poor online services, the abundance of schoolwork, and the infrequent ability to submit assignments because of slow internet and internet breakdown services. I told XXXX over the phone that I was terminating my service with them. They made an effort to bargain with me for a cheaper price, but I refused and kept my ground. After that, they sent me a bill for {$130.00} that was still owed, which I settled. I signed up for XXXX XXXX  services a week ago ; I am still a customer of theirs and have never missed a payment. 
Three years after terminating my subscription with XXXX, a bill alleging that I owed them {$0.00} cents showed up in XXXX. We resolved the bill when I called back. I told the man with an Indian accent that I owe them nothing and that he should stop scaring and harassing me until I received a second bill in XXXX claiming this time, {$90.00}. This is stealing. He then made me feel threatened before hanging up. To my amazement, nine years after formally closing my account with them, I am still " owing '' an internet bill from the same firm. 
I saw that my account had two phony phone numbers generated. One of the phone numbers used by the phishing collecting company known as transworld systems inc for {$270.00} is also attached, along with XXXX, XXXX, and a number that I had given to a friend since XXXX before she relocated to the XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions 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:
XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$590.00}, XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Experian/XXXX ) credit reporting agency . This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created 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 non-monetary relief
Consumer complaint received 2020-01-14
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have ask them to stop calling me and that if they didn't stop that i will sue i also let them know that i have file a fraud with XXXX  fraud management and they call every day.for the last two weeks from the hours XXXX to XXXX i also notice XXXX  about these call

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: CITIBANK, N.A.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not authorize any hard inquiry with this company.
I do not recognize company this was fraud.
This is fraud. 
I did not make any Inquiry for a loan on XXXX XXXX 2018 through this company 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 2023-04-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

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 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

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 2023-01-17
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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 asked for more Credit to buy a new washer and dryer as dryer is dead. XXXX sent me a statement and the order was cancelled by me on XX/XX/2020. TransUnion is great at putting anything negative on your credit report, but three months behind everyone else in putting anything to increase your score. After this I will probably close my XXXX XXXX account. I filed a dispute thru TransUnion and they NEVER investigated it. They are the worse CRA out there. My Credit looks ruined ... .they dinged me great.

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 2022-02-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX charged my credit card for {$75.00} without my permission. They had the card stored in their app. I used another form of payment. But they charged my other card anyway. I disputed it but Citi didn't approve the dispute as they said I could not prove XXXX charged my card twice. However, I never told Citi my card was charged twice. I told them that XXXX charged the card without authorization.

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 2020-06-24
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX, XXXX, I placed an order via telephone with XXXX XXXX  XXXX ( dealer ) in XXXX, FL for an item. The amount was {$550.00}, charged to my Navy Federal Credit Union ( NFCU ) XXXX XXXX. I followed up on XXXX XXXX to learn that the dealer could not secure the item from their vendor. I requested a full refund of the amount. The dealer issued the refund and provided me documentation. However, I have yet to receive the refund. I checked with the vendor and they indicated I should have already received the refund. I kept checking with NFCU to determine the refund status ; however, was given no information or insight as to the status. 

I waited eight days before moving forward with a dispute with NFCU, and provided proof of refund documentation. NFCU now indicates the " investigation '' into the matter would take up to four months, and insist that I pay on the account the amount in question. I asked for a provisional credit while the matter is being investigated and they declined. At one point I was told by the NFCU rep that the department I was communicating with were merely " pencil pushers '' and had no further information for me. I asked to speak to the " investigator '' of the matter and was declined. I spoke with a supervisor and was told " there was nothing they could do. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions 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:
I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX # 41 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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 2020-01-14
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 I received notfication that a payment of {$130.00} was 30 day delinquent I reached out to the company COMENITYCAPITAL/XXXX to express my deepest apologies that I had been ill and bed ridden.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
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:
After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and njurious to my score. I am the only one who can validate this debt, according to congress I am the original creditor. I do not validate this debt. Congress law states that legally this account is supposed to be removed from my credit report promptly.

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 2020-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This company has harassed me for two years once even having papers served on my at my residence in front of company. I had responded to court proceedings at my county circuit court. Had contacted the company to resolve but they only gave two options for payment. Have notified all that I am XXXX on XXXX no other means. They continually threaten with court action by letter and sometimes via phone. Have told them to stop. XXXX XXXX  XXXX XXXX  for Portfolio Recovery Associates.LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Subject : Notice of Dispute and Pre-Arbitration Demand To Whom It May Concern, I am writing to formally dispute the alleged debt associated with account numbers XXXX and XXXX, which Portfolio Recovery Associates claims I owe, purportedly acquired from XXXXXXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. This dispute is grounded in the fact that by acquiring this debt, Portfolio Recovery Associates is now subject to the arbitration agreement delineated in the XXXX XXXX credit card agreement, which governs this matter. 

As stipulated in the arbitration agreement, any disputes arising from this debt are to be resolved through arbitration. I am fully cognizant that the initiation of arbitration can result in substantial costs, and I am prepared to invoke this option should an amicable resolution not be achieved promptly. 

I am aware that Portfolio Recovery Associates purchased this debt at a significantly reduced value. Given this context, I propose an opportunity for you to resolve this matter without resorting to arbitration. To facilitate an amicable resolution and circumvent the considerable arbitration costs that would be incurred, I present the following terms for your consideration : XXXX. Payment of {$5000.00} : In recognition of the emotional distress, anxiety, and financial hardship engendered by this situation, I request a payment of {$5000.00}. This sum is intended to compensate for the adversity I have endured due to this alleged debt.

2. Removal of Tradeline : Following the receipt of the aforementioned payment, I insist that Portfolio Recovery Associates expeditiously expunge and eliminate all detrimental trade lines associated with these account numbers from each credit reporting agency where they have been reported. This measure is imperative for reinstating my creditworthiness and mitigating further harm.

I believe these terms are just and equitable, taking into account the circumstances. I am amenable to discussing a potential resolution within these parameters. Nonetheless, please be apprised that if a mutual agreement is not reached within 14 days from the date of this letter, I will proceed with the initiation of arbitration, as prescribed by the terms of the XXXX XXXX credit card agreement. 

I anticipate your adherence to the urgency and gravity of this matter. I await your written response within the stipulated time frame of 14 days from the date of this letter. To discuss this matter further, you can contact me via email at XXXX. 

Thank you for your expeditious attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These accounts have led to the deterioration of my credit score and have directly resulted in my current living situation in a shelter. The following collection accounts, which do not belong to me and were not authorized by me, have severely affected my financial well-being : 1. Account Name : XXXX Account # : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$700.00} Date Opened : XX/XX/XXXX 3. Account Name : XXXX XXXX XXXX Account # : XXXX Balance : {$78.00} Date Opened : XX/XX/XXXX 4.Account name : XXXX XXXX Account # XXXX Balance : {$8800.00} Date open:XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX Date open : XX/XX/XXXX Balance : {$380.00} The inclusion of these inaccurate and unauthorized accounts on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623. These entries have not only damaged my credit score but have also adversely affected my housing prospects, preventing me from securing a suitable apartment and forcing me into a shelter. 

I demand an immediate and thorough investigation into the origin of these accounts. Should this matter not be resolved in a timely manner, I will be compelled to seek legal action against the involved parties, including both the creditor and the credit bureaus. Furthermore, I hold the right to pursue damages for the financial and emotional distress caused by the negligence and violations of the FCRA.

I request the immediate removal of these accounts from my credit report and a written confirmation of the removal within the time frame required by the FCRA. Enclosed, please find copies of my credit report sections highlighting the disputed accounts and any additional supporting documentation.

Your prompt attention to this matter is imperative, and I trust that you will handle this dispute with the urgency it deserves.

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