BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-08
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
I have disputes this charged off account and tried having it removed off my credit. I have asked for verification and proof of verification. 

I have filed a report with FTC

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 2020-08-28
Company: Phoenix Financial Services LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I saw my credit score was down in my XXXX  XXXX account {$960.00} debt for phoenix financial service.But I dont recognize it.I never get any money or service for anybody.It maybe a name similarity or somone used my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Experian Information Solutions Inc.
State: AZ
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/2021, I put in a verbal request of an agent at Experian, after a week of waiting they advised me that would not remove it, even though XXXX  removed it in one hour a few days before, it has been two weeks and I am still waiting for XXXX  to respond. It pushed my XXXX  score up 50 points, I need the same to happen on both, so that my wife and I can qualify for a mortgage or at least a new rental. It is so time consuming and my landlord needs us out of this house asap, so she can sell this house.

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 2021-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive tried to settle with Capital One but the attorneys office is saying Capital one will only settle for 75 % the debt is almost XXXX I offered XXXX because Im not longer working but they said they could only accept that as an installment plan. The account was closed back in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: CCS Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2020 I contacted the credit collector that sent me a collection notice in reference to a cancelled automobile insurance policy to advise them that I can afford to schedule {$1.00} a month payments until Im able to pay the balance in full and the phone agent refused to schedule in their system to reflect that Im not avoiding them. 
She also refused to mail out an office right to dispute that reflects what minimum payment they would accept and stated she would accept 3 separate payments to pay the balance in full. ( I AM NOT A SERVICE MEMBER OR THE SPOUSE OF A OR ANY SERVICE MEMBER the boxes wont uncheck )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a {$25.00} gift card with DEBT and Visa on its face. Card # XXXX XXXX XXXX XXXX exp XX/XX/21. 

I try to register it on line so I can use it but fail to log in as it does not recognize the card # and code. I subsequently called XXXX XXXX trying to resolve the issue but only get recorded msg that kept on saying it does not find my card # reported. In the recorded msg the only other option given is to cancel the card, which I did not intend to do. then it just hang up with giving me opportunity to talk to a life person to resolve the issue.

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 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THIS COMPLAINT IS NOT DONE BY ANY THIRD PARTY AS YOU SAID IN MY LAST COMPLAINT. IT IS DONE BY ME, XXXX XXXX TransUnion and XXXX  are fraudulents on my accounts : XXXX   XXXX  is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # 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 2021-02-21
Company: EQUIFAX, 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:
Credit Inquiries- I've called and advised them many times that these credit inquiries with no credit history status does not belongs to me. I asked if they can remove the inquiries I was told No. As the consumer I have the legal rights to demand removal if and indeed these accounts does not belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
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: Account status incorrect

Complaint:
I became aware of a collection issue on my XXXX  and Experian account from a collection agency called receivable performance mgt for a debt {$12000.00} for XXXX XXXX.i have never had a account with XXXX XXXX never received a bill with XXXX XXXX or had a contract with XXXX XXXX..this company is notorious of making fabricating for small amounts and putting it on your credit report ..Then extort the money and continue to keep it on your report, in my case there is no debt..pursuant to FDCPA 15 USC 1692 ( e ) a violation that is premeditated and deliberate. Experian and XXXX simple accept a debt from a collection agency with a dispictable reputation with out any proof of debt, no contract, they simple enter and these two credit reporting agency report it,, in this case it harm my excellent credit..Which is why this company hope will happened and thus the extortion..pursuant to the FCRA both reporting agencies violate this statutes report a debt that did not arise from a contract or agreement to pay, ..In this case I was never notify of a debt, dont know what the debt is about, never validate the debt nor id themselves as to who they are or what specifically the debt is .XXXX and Experian violate the FCRA without any evidence of a debt.

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 2020-08-28
Company: Experian Information Solutions Inc.
State: VI
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 3 credit bureaus are reporting negative information on my credit report and have refused to provide proof of validation. I have written to the respective agencies and companies that have put these items on my credit report. I have also spend hundreds of dollars to credit repair agencies and got nothing done. These accounts are from XXXX and XXXX, so I have suffered greatly over the years from lack of transparency from these companies that had refused to obey the law and guidelines of the fair credit reporting act. I am hoping that you all can intervene and please get these credit reporting bureaus to delete these invalidated items from my credit report so that my credit health can be justifiably restored unto to me. The incorrect stuff that is being reported on my credit report are as follows : XXXX XXXX, XXXX XXXX, the XXXX, and XXXX. Please asked these companies for validation which they have refused to provided me as directed by law. 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 non-monetary relief
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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 3 credit bureaus are reporting negative information on my credit report and have refused to provide proof of validation. I have written to the respective agencies and companies that have put these items on my credit report. I have also spend hundreds of dollars to credit repair agencies and got nothing done. These accounts are from XXXX and XXXX, so I have suffered greatly over the years from lack of transparency from these companies that had refused to obey the law and guidelines of the fair credit reporting act. I am hoping that you all can intervene and please get these credit reporting bureaus to delete these invalidated items from my credit report so that my credit health can be justifiably restored unto to me. The incorrect stuff that is being reported on my credit report are as follows : XXXX XXXX, XXXX XXXX, the XXXX, and XXXX Please asked these companies for validation which they have refused to provided me as directed by law. 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 explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
State: NC
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 disputed an account that i found to fraudulent on my credit reports. The end result was the account was deleted/ removed from my XXXX report. I contacted the other ( 2 ) CRA, Equifax and XXXX and they have not removed the negative information. It is my understanding that the creditor reports the same information to all Credit Bureaus as expected under the FCRA, and i requested via phone and certified mail that this account be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOMETIME IN XXXX  OF XXXX AND XXXX OF XXXX THERE WAS TWO ACCOUNTS OPENED IN MYNAME WITHOUT MY CONSENT. I HAVE TRIED WORKING WITH THIS COMPANY DIRECTLY WITH NO RESPONSE. THE AMOUNTS ARE {$2200.00} AND {$400.00} DOLLARS. PLEASE ADDRESS THIS ISSUE AS SOON AS POSSIBLE ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
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: Old information reappears or never goes away

Complaint:
Ive been disputing a XXXX  XXXX XXXX account on my credit reports. Today I received this letter from them which I am uploading and submitting attached to the letter is my response I am sending back to them. This account was opened well over 7 years ago. I paid off what I had charged back then. Shortly after that fraud was on the account I reported it immediately. This has been going on for over 7 years now and having this negative incorrect information on my credit reports is affecting my credit score.

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 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The company did not follow proper fair credit practices in reinserting inquiries on my credit report. Law states that companies supposed to inform consumer within a 5 day window before doing so and the 5 day grace period wasn't enforced. I was a victim of Transunions inquiry issue. Reached out to them and they were noncompliant to the issue at hand and the law so i am requesting the deletion of these credit inquiries XXXX   XXXX XXXX and XXXX  XXXX XXXX, and XXXX XXXX and 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 2018-07-08
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1. XX/XX/2017 Received balance due notices from Drs. Presumed they billed primary insurance ( XXXX XXXX of Illinois and secondary coverage with XXXX. ). 
2. Phoned XXXX. office ( XXXX ) advised operator my name misspelled on billing notice and advised them that this may be the problem submitting bill to my insurance providers. Gave correct spelling and XXXX #. 
3. XX/XX/2017 received " XXXX XXXX XXXX XXXX notice. Name still misspelled, at XXXX, I phoned XXXX. and spoke with " XXXX '' advising her that my name was misspelled and that may be the reason why they are having trouble with insurance. 
4. XX/XX/2017 followed up conversation above with a hard copy letter and fax repeating error on their part and sent copy of XXXX Summary Notice. 
5. XX/XX/2018, received a collection notice from " First Federal Credit Control , Inc. '' with threat that unpaid balance will be reported to Credit Bureau. 
6. XX/XX/2018 filed complaint with CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: ACIMA CREDIT, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I did a in store finance with XXXX XXXX of XXXX financed through acima. I went to pick furniture up XX/XX/XXXX from store where I purchased my own personal XXXX   ( {$120.00} ) and got home and realized 3 main pieces of the bed where missing. I reached out to the store and they told me it would b at least 2 weeks to locate the peices. I then asked for a product reduction in cost or for them to deliver the missing peices and was denied. I then spoke with the financial company acima and after they could not get in contact with the furniture store and they had no resolution the supervisor told me I would not b charged for the furniture that I never 100 % received .i waited a additional 2 1/2 weeks spoke briefly in XXXX and still no resolution was found. I told them I didnt want to go Thur with the purchase and the supervisor ensured me that the furniture store would b held accountable for the furniture. XX/XX/XXXX I discarded the furniture not hearing anything else from either establishment and Now XX/XX/XXXX acima is trying to charge me for the Little peices I did throw out after I was instructed that I would not be charged. I spoke with XXXX from customer relations and I even asked her what would she do in this matter and she told me she as well would have done the same thing. It was 3 months until the peices arrived at the furniture store and the old peices had literally been sitting n my home well over 2 months which is rediculious. I even went the the XXXX to fix this situation and they would not respond as well after attempting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Square Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX i did not authorized my friend to use my phone to send money from my account to her account by using Cash app. The amount was {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I previously submitted a compliant under case # XXXX. XXXX  did not address the concerns in my letter in the reply they submitted to the the CFPB : 1. The reply did not explain why the charge-off on the account was reported as of XX/XX/XXXX for over a year, and why it was changed to XX/XX/XXXX, after my dispute was filed in XXXX of XXXX. 
2. The response states the date of first delinquency reported to the credit bureau was XX/XX/XXXX, and claims that the change made, did not affect how long the information was to remain on my credit ; however, the information that I submitted, shows that the account was listed to remain on my credit file until XX/XX/XXXX prior to the update XXXX made to the credit bureau, and afterward, it shows that it remains on my credit report until XXXX of XXXX ( see attachments originally submitted and included again herein ). 
3. Additionally, the payment history included in the reply shows the account was dispositioned from the primary system of record on XX/XX/XXXX, which means the date submitted to the credit bureau is incorrect. 
4. Finally, the payment history shows that this amount was owing as of XX/XX/XXXX after the lease maturity occurred on XX/XX/XXXX ; therefore, the last day of payment should actually be XX/XX/XXXX. XXXX needs to correct this error in reporting of the details of this account.

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 2021-02-05
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In working with Citi cards. They reduced my line of credit down from XXXX to XXXX to the amount that i owed on the account on XXXX of 2020. Then they reported on my credit report that i had maxed out my line of credit. I get it covid and the need to protect their interest. But over the course of the next 11 months i paid on time and tried to pay more than the minimum. On XXXX I paid XXXX down on what i owed on the account and on XXXX they reduced my line of credit down again to the amount that i owed of XXXX. 

Their response was that my reduction was due to my credit score. Well my score stayed flat and even their fico score show only 1 point of movement. Well i ask these questions of citi card 1- If i make another large payment will my line of credit be reduced again ( their response was that they were not sure ) 2- I asked what step i needed to do to help increase my credit score with their company ( their responded was that they do not have any steps or process to improve the score. ) 3 - I asked if i had any late payments or covid paused on the account and they said i has a clean payment record for the past 5 year but they are not sure how this impacts my score.

4 i asked if there was another covid stimulus payment and i applied it to my account what would happen -- they responded that they would love the payment and were not sure if my line of credit would remain the same. 

Long and short citi cards at XXXX are destroying my credit and making it difficult to recover my credit score.

The reason for the large payment was to reduce the amount that i owed and get the maxed out line of credit off of my credit file. I certainly did my part my saving and making my payment on time so this line of acting is damaging to anyone who is trying to recover.

The fact that i am concerned with is that there is a lot of other people that once they are credit line maxed out their credit interest rate also will go up. I have seen other card that i have go up a point or 2 just because of this type of action.

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