BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: Diverse Funding Associates LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they represented DNF Associates, LLC regarding a so-called debt with XXXX XXXX XXXX account in the amount of {$2600.00}. I disputed on XX/XX/XXXX via certified mail return receipt of their claim of debt in the amount of {$2500.00}. I communicated that I did not owe this debt. I disputed the validity of their claim of debt in the amount of {$2600.00} due to DNF Associates, LLC. given the claim of indebtedness is without basis or merit. I did not have or ever had a XXXX XXXX account, In addition, I do not have a business relation nor history of any business transactions with XXXX XXXX nor DNF Associates, LLC. I requested as of XX/XX/XXXX pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ) Validating Debts that they provide proof to me of the following : - amount of the debt including evidence of any and all transactions giving rise to this so call claim of debt ; - the name of the creditor to whom the debt is owed ; - verification or copy of any judgment ; - evidence a XXXX XXXX account in my name ; - evidence a business relationship with the original creditor ; and - proof that they are licensed to collect debts in XXXX XXXX XXXX XXXX responded on XX/XX/XXXX to my XX/XX/XXXX request and failed to provide and information evidencing that I incur the so called indebtedness with XXXX XXXX via a XXXX account. On XX/XX/XXXX I was served with a summons concerning a Civil Complaint in the State of Michigan in the XXXX District Count for the County of XXXX with DNF Associated , LLC. by and through its attorneys. XXXX XXXX XXXX XXXX XXXX. the Jurisdictional Allegations 1. Plaintiff is the assignee of Defendant 's account with XXXX XXXX XXXX 2. The amount in controversy, exclusive of interest and costs, is less than {$25000.00} On XX/XX/XXXX, I filed with an Answer and Affirmative Defenses to Plaintiff 's Complaint. I denied all of the Plaintiff 's Claim for Relief and provided my Affirmative Defenses : 1. Lack of Privity. I asserted that there is no contractual relationship of agreement between the plaintiff, or the plaintiff 's assignor and the defendant. Specifically, I never entered into the contract of agreement alleged in the Complaint, and I am the victim of identity theft and the account, contract or agreement was created with my knowledge or consent. I therefore report this complaint to the Consumer Financial Protection Bureau of identity theft and ask for your assistance,

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 2022-10-06
Company: Experian Information Solutions Inc.
State: OH
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:
n accordance with the Fair Credit Reporting capital XXXX acct # XXXX, vive financial acct # XXXX, XXXX federal acct # XXXX, XXXX federalacct #, XXXX patt acct # XXXX, XXXX patt acct # XXXX, XXXX XXXX acct # XXXX, w/f XXXX 's acct # 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 XXXX : It also states a consumer reporting agency can not furnish a 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 2017-04-21
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a pair  of Garage Door Springs  on  XXXX  's website for {$90.00}. The seller (  XXXX   XXXX   }  billed {$90.00} to my  XXXX   XXXX  account, He then billed {$79.00} to my  XXXX  Credit Card (   XXXX   ) account and took the remaining {$10.00} out my  XXXX   XXXX , Thereby billing me twice for the same purchase. I have contacted all parties  (    XXXX   ;  XXXX  and  XXXX  ) I faxed copies of my statements to  XXXX . After too many calls to  XXXX  and  XXXX ,  XXXX  finally, agreed I was charge twice, however, there was nothing they could ( would ) do. I have come to the conclusion that  XXXX  and  XXXX  knew all along I had been swindled, but they were not going to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
n 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 a 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 non-monetary relief
Consumer complaint received 2020-10-07
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: Problem with personal statement of dispute

Complaint:
Disputed two credit entries on Equifax report on XX/XX/2020. First account listed as XXXX ( account # XXXX ) and second account listed as XXXX XXXX  XXXX XXXX account # XXXX XXXX. Requested a deletion of the duplicate account. in my dispute. From my knowledge, I only had one account. Equifax confirmed that they verified and updated the accounts on XX/XX/2020. Both accounts remained on report. After calling the creditor and recording the conversation with the representative, it was found that only one account number was in fact associated with my name ( account # XXXX ). I requested a letter from the creditor on. XX/XX/2020 and XX/XX/2020 to confirm my correct account number and owed amount to send to bureaus and the letter request was refused. I contacted Equifax on XX/XX/2020 to state they did not validate or verify the debt because that account number ( # XXXX ) has never been associated with my name or my current account with the creditor. The representative said the creditor confirms the debt and they just update in their system. How can the. creditor state that I only have 1 account under my SSN and previous address but verify with Equifax all that I have another account number? The dispute stated duplicate account needed to be removed and the Equifax rep said they confirmed the owed amount with the creditor but not the account owner or account number. How can you confirm an amount owed without FIRST confirming the owner of the account to ensure it is reflected on the correct credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Add to Case No. : XXXX I finally was able to speak with XXXX XXXX @ Discovercard, Senior Associate, Executive Office of Customer Advocacy today and with no further resolution. He has no way of providing me with proof of my consent for the Payment Protection Fees which he shows was added to my account on XX/XX/XXXX. Their policy is to refund the last 6 months of fees charged to me, which has been done. XXXX XXXX has access and will be mailing me my statements from XX/XX/XXXX ( the earliest he has access to ). He does n't know how much I have paid in fees, but by my calculation, this is over $ 10k just in fees that I never consented to. Right now, I am getting no where, other than to contact an attorney, but an attorney would probably cost more that the fees I already paid. I was researching again on the best course of action and see that there was a Class Action Lawsuit against Discovercard back in 4th Quarter XX/XX/XXXX. Why was n't I notified of this lawsuit? How did one get notified? I reviewed the links and the last to be added to this lawsuit was 1Q XX/XX/XXXX. I am so frustrated. CFPB already took action against Discover, but I was not part of the notification process. I 've lived at my address since XX/XX/XXXX and have had forwarding orders when I had a XXXX XXXX while working in downtown XXXX XXXX, so I should have been included. My debt with this card would be zero if not for these " Payment Protection Fees ''. At this point, I really do n't know what to do. I called your number to ask for further assistance and was notified to seek an attorney. When I research that, I find there was already this lawsuit that would have taken care of these arbitrary fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions 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:
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 a 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 2020-02-15
Company: Experian Information Solutions Inc.
State: CT
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:
Experian say they refuse to dispute an item because I want to sue for inaccurate data

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 2018-06-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a transaction posted to my account on XX/XX/XXXX for {$11.00} and a second posted for {$22.00}. I was charged and overdraft fee for both transactions although there was enough funds for the first transaction. When I called Chased the rep stated, that because it was pending they posted the second transaction first. They refused to reverse the overdraft fee. 
I made another another transaction on XX/XX/XXXX for {$20.00} and {$21.00}. At XXXX on XX/XX/XXXX I made a deposit so I wouldn't be overdraft the next day ; but I woke up to notifications from Chase for two overdraft fees. I called them, and I was told that I had until XXXX to make the deposit. What's the point of this overdraft fee if you can't go until XXXX? It was never like this before. I have used their overdraft numerous times and I was not charged an overdraft fee. Now my account is still overdrawn

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Bread Financial Holdings, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Commenity bank continues to call my family members and discuss that I owe a debt and tries to collect from them and calling multiple family members more than once

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 JXXXX 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 a 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 non-monetary relief
Consumer complaint received 2020-02-15
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not know of this debt until I check my credit score on XXXX XXXX, It show I did not pay a debt from XXXX of {$610.00}. I never recieved a bill from XXXX or a notification from Sequium Asset Solutions about a debt collection. I think it maybe fraudulent account or identity theft. 

SEQUIUM ASSET SOLUTIONS, XXXX XXXX DISPUTE REASON : Ownership I have no knowledge of this collection account. 
CONTACT INFORMATION SEQUIUM ASSET SOLUTIONS, XXXX, GA XXXX SEQUIUM ASSET SOLUTIONS, Last reported XX/XX/2019 {$610.00} Open balance XXXX XXXX Original creditor I have no documentation showing this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to to get rid of my mortgage insurance  from US Bank Home Mortgage. Th ey have been telling me multiple different reasons why I can not get it removed from my mortgage for over 6 months. I have done everything they have told me to do, including paying {$150.00} for an appraisal, paying an additional {$3600.00} principle payment in  XXXX   2017. Bu t It 's still on my Mortgage statement for  XXXX     2017 even af ter they assured me it would not be there. Why should I have to pay for their multiple misleading mistakes?

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 2020-02-15
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:
THE ACCOUNTS WERE NOT AUTHORIZED BY ME. I WOULD LIKE THOSE ACCOUNTS TO BE REMOVED OFF MY REPORT FOR THEY HAVE BEEN CAUSING SERIOUS DAMAGE TO MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
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:
First Name : XXXX Middle Name : XXXX Last Name : XXXX DOB : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX City : XXXX State : TX Zip : XXXX Additional exposed information was found Offense Description : XXXX XXXX >= {$500.00} < {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: ORG GC GP Buyer, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep calling me to get in contact with my mom. At this point they are harassing me I literally receive XXXX to XXXX calls a day. They keep asking for my mom and I dont even live with my mom. This is considered harassment and I have no involvement with this debt. They call before XXXX XXXX am or even XXXX am asking for me mom when I have repeatedly told them I do not live with her.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09
Company: Synovus Bank
State: CA
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:
After a dispute, XXXX XXXX XXXX verified incorrect information on my XXXX   Credit Report. In XX/XX/XXXX I first became delinquent on my XXXX XXXX Credit Card. The account was charged off in XX/XX/XXXX. Up until XX/XX/XXXX the account had the correct payment history and charge off date of XX/XX/XXXX reported on XXXX. 

I paid the account in full ( {$140.00} ) on XX/XX/XXXX. The next month, XX/XX/XXXX, my XXXX  showed that my XXXX XXXX Credit Card was charged off on XX/XX/XXXX. They reported the charge off again on XX/XX/XXXX. This information was false so I disputed it on both my XXXX report. The company then verified the false information and the dispute was closed. 

I wrote and called XXXX XXXX to try to get this false information corrected. I have received no response. I spoke with the credit reporting agencies and they said there was nothing I could do other than file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Portfolio Recovery Associates and XXXX has continue to break the law knowlly. Portfolio recover associate are suppose to be collecting on a so called debt for XXXX  XXXX. I have asked Portfolio recovers for proper validation of these accounts. They have failed to supply me proper validation of these so called accounts. They have forwarded me tress so called statments. These so called statments does not count as proper validation. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


XXXX has failed to properly validate these accounts. XXXX has admitted to go off the word of the companies. Per our conversation I had with a XXXX rep they send the dispute to the Company who owns the account. Then the company sends experian the results of the investigation. XXXX does not have any documentation of these accounts to let them report on my credit report. 

XXXX does not have the right to continue to report any Portfolio recovery accounts on my credit report. 

XXXX  deleted these accounts with no issues on my credit report I have reported both companies to the the Attorney General office and the FTC for failure to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: BARCLAYS BANK DELAWARE
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 status incorrect

Complaint:
i recieved a credit card in the mail from jet blue which i never applied for so i disregarded it until a few months later when i was going over my XXXX  credit report and noticed luckily my score was down 94 points from very good to good due to lack of payment. since i never make a late payment and my payment history is perfect i looked further to see that it was barclays bank who own the jet blue credit card. i have spoken to jet blue over 15 times ( first time XX/XX/XXXX XXXX ) and explained that this is fraud and was assured by the rep that it would be reported as fraud and the credit agencies would be notified as such. jet blue however did not report it as fraud, they reported that they believe the information was accurate about my payment being late and although they assured 10 different reps that the account has been closed. not one thing that jet blue or barclays bank has told me has been the truth. they have lied or misrepresented every communication or information given to me. even with my exceptional credit history XXXX has done nothing to protect my credit rating. aftyer multiple frustrating attempts to get XXXX to help my case i was last told by them that fraud or identity theft is not their problem i should call the police or fbi. i am a 30 year employee of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so i couldnt believe my ears. i was given XXXX by my employer because someone attempted to open a unemployment case under my name fraudulently over a year ago. XXXX  was given to all of us at no fee to monitor and keep our identity and credit safe and the opposite has been done. as of today the barclays account remains open with negative late payment reporting continuing on my XXXX  credit report and my score continues to go down. i reached out to barclays one more time but they refuse to look further into the fraud. this credit was never activated and of course never used and rhere are no charges on it. i believe it is ther activation fee they has has not been paid and refuse to close the account unless it is paid. it is criminal but there is no recourse against this co. respectfully submitted. 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