BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
the debt collection firm XXXX XXXX XXXX had gotten a judgement against me without my knowledge, without any notification in 2009 & has repeatedly tried to collect on a debt I do not owe due to identity theft. I have contacted them repeatedly, filled out XXXX identity theft packets & submitted police reports. They have seized assets in my bank accounts XXXX, which were eventually returned to me. I have been to the county records office/courts to find copies of this judgement & there are no records. 
This is a debt that was created due to identity theft. I have provided all the information and last known whereabouts of the individual who stole my identity yet XXXX XXXX XXXX has still continued to harass & threaten my assets. 
I can not keep a bank account due to the constant threats of asset attachment. This has been an ongoing issue since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion is in violation of the Fair Credit Reporting Act ( FCRA ). Transunion is reporting late payments that have never been late. 

Pursuant to 15 USC 1666b : ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The accounts listed below reporting as late were NEVER late and should updated as pays or paid as agreed. 

XXXX XXXX Bank XXXX XXXX XXXX I was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on this account. Please update this account as Paid/Current. 

XXXX XXXX Bank XXXX I was never late on XX/XX/XXXX on this account. Please update this account as Paid/Current. 

XXXX XXXX Bank XXXX I was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on this account. Please update this account as Paid/Current. 

XXXX XXXX Bank XXXX I was never late on XX/XX/XXXX on this account. Please update this account as Paid/Current. 

XXXX XXXX XXXX XXXX XXXX I was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on this account. Please update this account as Paid/Current. 

Additionally, pursuant to 15 USC 1681a ( 4 ) Congressional findings and statement of purpose, the law CLEARLY state : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

My right to privacy as a consumer has been violated by publicly reporting this information when I never gave your organization permission to do so.

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 2017-05-01
Company: CITIBANK, N.A.
State: MA
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:
I have had major difficulties with this company for the l ast two ye ars. I wo n't go into the story except to say that I had to get a lawyer to have them remove a {$4500.00} charge that was never mine. they ought to have paid his expenses and refunded all the interest but I let it go because I had had enough of their runaround.   Now they have charged me with a late fee on a bill I never saw. they say they ca n't forgive more than one late payment every twelve months and I already had mine. the problem is that I can prove with my medical records that I have been ill for months including  XXXX   XXXX  in my  XXXX /  XXXX , and  XXXX  that went undiagnosed for at least 6 months. When I got the bill for a little over {$100.00} with the late fee of {$25.00} which could not be taken off, I felt it was usurious and illegitimate and I paid the bill without the late fee. this month I got  XXXX  bills.  XXXX  was the late fee doubled with .50 interest for a balance of {$50.00}. the other was a bill on a different card with a credit of - {$25.00}. They actually had enough to cover my late fee and zero it out.

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 2022-05-26
Company: Experian Information Solutions Inc.
State: CA
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 called Experian after I purchased a credit report from Experian.com on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : BANK XXXX XXXX XXXX, BANK XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.

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 2016-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The creditor has been making false negative reports for almost 12 years ... I have not done any business with that specific company since 2006, which is well past the 7 years for negative porting to be allowed. I have submitted several disputes via the Internet, mail, & phone with TransUnion to remove this item from my credit report as it creating a tremendously negative impact on my TransUnion report.

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Violation of 15 USC 1681b ( a ) ( 2 ) no consent Credit reporting agencies

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 2020-11-11
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On Thursday XXXX XXXX, 2016 at XXXX XXXX, while working XXXX my boss sent me a text message stating that she needed to discuss a matter concerning my finances from a banking institution that intertwined with a client of mine. When I returned to the office, from my break, I received a phone call from my client stating that a letter from Navy Federal Credit Union was address to me with his address on it. I asked the client to come to the office immediately and when the client got to the office he showed me the letter, which did in fact have my name with his address. The letter contained my personal loan information, such as the loan number, the dollar amount of the loan, and a pay off amount to clear the loan. This letter was sent by Recovery Specialist XXXX XXXX with Navy Federal. I called the Navy Federal number XXXX and spoke to a representative and told her what was going on and she told me to call back the following morning to talk with the Supervisory Recovery Specialist. I called back the next morning and spoke to a Supervisor Recovery Specialist XXXX XXXX XXXX XXXX. She told me that she was advised by her supervisor not to discuss this matter with me. I asked to be transferred to another supervisor and was transferred to a supervisor with the last name XXXX. This person told me that Navy Federal did n't do anything wrong and would not tell me how she got my client 's address or how my client 's address was linked to my account. When I requested to speak to her supervisor she refused to put me in contact with her supervisor and hung up on me. My employment with the XXXX was terminated seven days after they were notified of the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16
Company: HONOR FINANCE, LLC
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Hello, Honor Finance is absolutely NOT permitted to call my work, and I have sent that in writing several times as well as expressed that via telephone. I received a call on XX/XX/2016 at XXXX regarding my car loan where the caller used deceptive practices to be transferred to my classroom during school hours. The receptionist thought she was a parent because of how the caller presented herself and the nature of her call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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:
Violation of 15 USC 1681b ( a ) ( 2 ) no consent Credit reporting agencies

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 2022-08-18
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the last year I began to receive letters from a collection agency for a debt that is not mine. The collection attempts were from recurring charges that appeared on my credit card account in XXXX to XX/XX/2020. The bank removed the charges and provided me with a new card number. XXXX XXXX  deemed the charges as fraudulent and I was not responsible for payment. The vendor, XXXX, did not initiate a chargeback of the charges or provide evidence to validate the charges with XXXX. XXXX did not record the charges as fraudulent within their own system hence why I am now getting collection attempts. 
I have provided the collection agency, Resurgent, with a letter requesting that they cease and desist collection and a letter from XXXX indicating the charges were fraudulent and stating that I am not responsible which is dated XX/XX/2020. I also completed the company 's affidavit indicating the charges were due to fraud and not mine. Resurgent  is still attempting to collect payment from me. 
I will not pay for a debt that is not mine. I will not hesitate to sue XXXX and Resurgent if this debt is reported to the credit reporting agencies and show up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Transunion is preventing from access my annual credit report online, as well as preventing access to my state security freeze option by preventing me from " registering '' to their site. As Transunion has now added site specific registration for all facets of their system, without the ability to register, I have been blocked from all Transunion online access.

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 2016-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
we were denied credit because of serious delinquency, and public record or collection filed. We filed chapter XXXX XXXX XXXX and Capital One Bank USA NA was paid in full according to my attorney XXXX, NY XXXX and also XXXX XXXX XXXX were paid. There should be no written off amount or any liens against my property on XXXX, NY XXXX. Please remove this negative information and report this history as a fair and accurate information. I would like XXXX TX XXXX XXXX please correct this information and XXXX XXXX and XXXX XXXX to correct the negative information. Also our XXXX Case Number XXXX is paid our second mortgage loan number XXXX is also paid through bankruptcy chapter XXXX through court system in XXXX, XXXX XXXX XXXX we have a letter saying all of our payments are satisfied. Experian credit needs to correct & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: WI
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 XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX 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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX 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 2022-05-26
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My husband has a credit of {$480.00} on his Discover Card. He has requested his money several times by phone and email but they refuse to send him a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have requested overdraft protection be cancelled over two months ago Wells Fargo is picking and choosing when they want to pay merchants and assessing overdraft/NSF fees to my 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 2016-07-07
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I feel that the interest charged on my account is incorrect because although I make payment outside of my normal due date, it takes DAYS to be credited and interest is charged during this time. As a result of this, I tried to pay my account in full using a credit card because it is supposed to be posted the same day. When I enter my card information, I receive an error and told to call a number. I called the number several times and it is an automated loop. I called another number which is for " alternate ways to make payment '', I am kept on hold for unreasonable amounts of time. I just want to pay this account off and be done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've contacted XXXX XXXX XXXXXXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile 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 2015-11-17
Company: AmerAssist A/R Solutions, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was sent a bill for XXXX with zero explanation. I had not been provided service for a YEAR from this location. When I contacted them, they said it was for a denied service from my secondary insurance. I asked for verification of the service, the denial and all information proving I owed the debt. Instead, they sent me to collections. They did not verify the debt, they continued to attempt to collect on a debt not verified. 
I have made numerous attempts to collect the information to verify the debt, including contacting their XXXX party business management office in California. I have called them repeatedly as well.

Company response to consumer: Closed
Consumer complaint received 2016-10-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been charged numerous unfair wells fargo overdraft fees

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 2022-05-26
Company: Experian Information Solutions Inc.
State: WA
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:
Hello my name is XXXX XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation.

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 2022-05-26
Company: EQUIFAX, INC.
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:
I've contacted the companies below & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation