BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: American Credit Acceptance, LLC
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: Investigation took more than 30 days

Complaint:
Over the course of the 8 months of having a car loan through American Credit Acceptance, they have incorrectly reported my payments every month. I have done several disputes and they fix the item being disputed but change another month ( or months ) incorrectly. 

Dispute on XX/XX/XXXX was to update my XXXX payment to current as it was showing 30 days past due. XXXX was updated and XXXX was changed to 30 days past due. 

My score went down 55 points on XX/XX/XXXX because ACA then reported that I opened the loan in XX/XX/XXXX ( it was opened in XX/XX/XXXX ) was 30 days late for XX/XX/XXXX and XX/XX/XXXX and 60 days late for XX/XX/XXXX and XX/XX/XXXX ( XXXX  shouldnt have even been reported yet ) and that I had a balance of {$18000.00} ( which was {$15000.00} to much ) another dispute was done on XX/XX/XXXX. They updated everything but failed to update that my account had been closed and paid in full. 

The most recent dispute was requesting the account to show closed and paid in full, which they updated to just show me 30 days past due for the month of XXXX and XXXX. XXXX has been marked current all this time and they are now claiming I was 33 days late paying XXXX. XXXX was paid on time. 

I have not been able to get myself into another vehicle because of this inconsistent incorrect reporting over the past 3 months to my credit reports.

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 2017-01-08
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from RESIDENT COLLECT INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RESIDENT COLLECT INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
I set up scheduled payments for both of my Comenity Bank cards, XXXX and XXXX as I always have ; however they did not take the scheduled payments. I checked my history and confirmed that I did indeed visit both sites which resulted in a one time payment confirmation. I feel their system malfunctioned and they are trying to get additional fees from me. I see numerous similar complaints and other that are very disturbing however given recent action against Comenity it is pretty clear they are not very honest. I have also emailed their CEO and President.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I kept getting 5 calls throughout the day everyday from this collection. I kept telling them i never ever received a letter from them charging me anything. They said bill was from 2016. To stop the harassment i paid the amount they requested. They told me that they would send a letter stating i paid. I never received anything. This is affecting my credit bad and I paid this account

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Alorica Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The number XXXX has called me XXXX of times over the last few weeks, often XXXX or XXXX times a day. They never leave a message. I suspect they are a debt collector, but I do n't answer calls from number I do n't know. My guess is that they are just calling repeatedly simply to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America has me in XXXX XXXX because of a fraud account that was opened up. I have disputed this account with the bank 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 non-monetary relief
Consumer complaint received 2021-07-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
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:
Equifax has re-inserted fraudulent accounts on my credit report that have already been deemed as fraudulent and need to be removed. It is against the law for them to be re-inserted : 1. XXXX XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Experian Information Solutions Inc.
State: NV
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/18 Experian received a credit report dispute, disputing items including two bankruptcies.I have documentation from the furnisher/bankruptcy court stating the court records and dockets are available via PACER. I contacted pacer  via email asking how do they verify and they stated, " PACER  does not directly verify federal case information to third parties by phone, fax, or email. Experian also stated that XXXX does the verification for public records. I called and they stated no one has called to verify not one public record on my consumer report and I also have paperwork for XXXX stating that they could not verify the two bankruptcy records that are reporting as negative on my credit report. Experian has not done their job to accurately verify items on my credit report. Also, the FCRA section 611 states the furnisher of the information must verify. XXXX and XXXX have also stated that they have previously " verified '' both bankruptcies reporting adverse on my credit 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 2016-08-14
Company: CITIBANK, N.A.
State: HI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I am writing because my earlier report XXXX was answered by Sears Matercard account which is issued by Citibank , N.A . It was about lowering my credit limit and and PULLING MY CREDIT REPORT WITHOUT MY PERMISSION ; ONLY. The person responding to my complaint is XXXX XXXX, Executive Response Unit of Citibank, N.A.. ( XXXX ) Today, XXXX/XXXX/2016 and spoke to XXXX ( Employee number XXXX ) I asked XXXX XXXX put in my notes on my account " TO NOT MAIL ME OUT NO MORE CREDIT CARD ''. XXXX replied to me by said '' I CAN NOT do that because the system will mail out credit card anytime ; even for reasons if the Rewards system changes it will mail another credit card out ''. I insisted she makes sure I DO NOT get another credit card. XXXX keep repeating she CAN NOT do that. I feel Citibank , N.A . employees are doing FRAUD against 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 2021-07-29
Company: EQUIFAX, INC.
State: FL
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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 fraud alerts or security freezes

Complaint:
I am in process of refinancing my mortgage. I had to unfreeze all 3 credit reports ( XXXX, XXXX, & Experian ). This was easily accomplished at XXXX  and XXXX but I'm finding it impossible to accomplish at Experian. 

I was directed that my request couldn't be completed and I had to send physical documents to their facility in XXXX, TX, which I did. I had to overnight them as this is time sensitive which of course costs money. 

I understand identity fraud is a big problem and appreciate them taking care to make sure it's me, but not being able to get my credit unfrozen is not acceptable. 

They received my documents yesterday ( XX/XX/2021 ) with a letter explaining what I needed done and all documents they requested included. I also asked that someone please call me directly. 

I have tried every number and form they have listed and can not talk to a human being no matter what I do. I believe they shouldn't have the power to stop me from refinancing my mortgage.

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 2016-04-13
Company: CITIBANK, N.A.
State: WV
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Noticed that I had been charged for years for a XXXX program, but I was unaware of it. Contacted Citibank, who transferred me to XXXX. XXXX stated that they would send me proof of enrollment in the mail within 7-10 days ( or in some reasonable amount of time ). This was XX/XX/2015, and I have still not received anything.

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 2021-07-29
Company: Atlanticus Services Corporation
State: AZ
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:
I noticed charges withdrawn from my bank account on XX/XX/2021 totaling {$7300.00}. Charges were made by Fortiva MC, a card I have never heard of nor applied for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I faxed the following to Sears : XXXX, California XXXX Mailing Address : Removed URGET FAX TRNSMITTAL, XXXX Monday, XX/XX/XXXX RE : Update Credit/Remove Late Payments To whom it may concern, On XX/XX/XXXX I learned of Sears/CBNA late payment data on my credit report for XX/XX/XXXX, specifically the months of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

Per phone conversation on XX/XX/XXXX with Sears/CBNA Supervisor XXXX Team # XXXX the " Clerk '' at the retail location entered the wrong mailing/billing address, therefore I never received a bill. Seems the amount was approximately {$30.00} and " written off '', per XXXX. 

The partial account information I have is partial-XXXX, ending in XXXX. 

Please immediately Update My Credit/Remove Late Payments. We are in the process of a obtaining a Mortgage and this false derogatory information is affecting all my credit scores. 

Please confirm receipt of this FAX and provide your evidence of correction to all XXXX credit bureaus to the above address. CALL MY CELL ( ABOVE ) WITH ANY QUESTIONS. 


Sincerely, XXXX 31 Year Sears Customer After Sears confirmed by phone on several occasions the derog info should not appear, a Sears letter dated XX/XX/XXXX states, " Our records indicate that the information appearing on your credit report is correct. '' CFPB, It is not correct. 
Sincerely 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 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have recently tried several times to correct my personal information with TransUnion, XXXX XXXX XXXX XXXX, my name, address and employer are being reported incorrectly the only one reporting all correct is XXXX. 
The first attempt was via telephone did not work, My second attempt was via certified mail which I included a copy of my XXXX Drivers license, social security card, work ID and a most recent electric bill to both TransUnion and XXXX but as you can see on the documents I`m going to upload they still haven`t corrected the problem and I continue to send them certified letters but as you can tell no progress has occurred. 
I am in the process of obtaining a mortgage and the banks are asking me why do have so many different names or variations of my name. 
I am deeply sadden that a simple task like correcting personal information has become so difficult for TransUnion and I would like to get help in getting this issue finally corrected. 
My name is : XXXX XXXX Not : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX. 

my only address is : XXXX. XXXX XXXX  XXXX. XXXX XXXX, NY XXXX My only employer is : XXXX. XXXX XXXX and 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 2016-12-20
Company: CITIBANK, N.A.
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Employee Name : XXXX XXXX Recipients : XXXX XXXX ( self ) Recipients Bank : XXXX XXXX XXXX XXXX Confirmation Code XXXX Date Deposited XXXX/XXXX/2016 The questions is there any mistake in my personal details as why this deposit has been refunded back to my XXXX by CITI Bank. 

The XXXX other transaction I made on the same day went through. as of this moment I have n't heard nor received any return from the XXXX transaction I made Which is the recipients XXXX XXXX ( XXXX ) and XXXX ( XXXX ) XXXX as well. 


Please kindly enlighten me of the real status of this transaction. 

Respectfully Your ' 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 monetary relief
Consumer complaint received 2015-07-11
Company: CITIBANK, N.A.
State: AR
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have a Citibank Credit card that offers a price rewind guarantee in which if you purchase a product with the credit card and register it on their website it will track the product to see if there is a lower price. A lower price was found on XXXX of my items and I received a notification email to click this link to request the refund, however when you click on the link there is nowhere to request the refund. I have called multiple times and both times the citibank call agent said they would email me the form to fill out to complete the request within XXXX hours and i still have not received the notification. 

There are XXXX items, XXXX is a TV I purchased and was notified of a {$150.00} refund available and next was a gaming console in which i was notified of a {$49.00} refund available. This price rewind service appears to be a fraud as there is no way to collect the stated refund on the purchase price.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have called transunion numerous times and they have yet to remove these unauthorized inquiries from my credit 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 2016-07-22
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased from XXXX on XXXX/XXXX/16 XXXX camping cots from a company called XXXX. These cots sell for {$34.00} for XXXX and can be purchased in lots of XXXX for {$68.00}. I purchased XXXX lots of XXXX at {$68.00} for a total of XXXX cots at a cost of {$130.00}. Even though these cots were purchased in lots of XXXX they were shipped separately. There was XXXX shipping label per box with only XXXX cot in each box. I only received XXXX boxes with XXXX cot in each for a total of XXXX cots and XXXX cot came damaged. I put a dispute in with Citie. I explained thru photos I can prove that only XXXX cots were delivered. I asked if their was a chance Citi would settle without contacting me. I was assured that i would be contacted. Guess what? Citi settled with the merchant because they showed XXXX shipping labels. Its amazing that XXXX and Citi ca n't make this right. I ca n't even imagine why the merchant would n't know their cots were shipped separately unless this is diliberate fraud

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 2015-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associates , LLC is a debt collection agency that has violated the Fair Debt Collections Act by adding a negative account with the Credit Bureau on my credit, which I have not given permission or signed a contract with, nor do I know who they are and is affecting my credit score, preventing me from moving forward with my life. I have contacted their company and they refuse to help me. I have requested the contract that I allegedly signed with them and they can not provide it ( because there is not XXXX ). I demand that this situation be investigated for fraud and trespassing and have them removed from my credit account with the Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: JLU Asset Management Group LTD
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
JLU Asset Management Group called my cell phone and left a message on XXXX/XXXX/15 threatening to take action against me if the matter was not resolved by EOB. I have not ever heard from this business on any matter. Did not disclose what matter was. When I called the number on the message I was told I had to call a XXXX that I owed {$90.00}, but would not tell me what the debt was for. I do not know what this is for and they would not give me any information as to what the matter was that needed to be resolved. I was at work when the message was left on my cell phone ( without my permission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I returned XXXX items after being approved by the Limited card, I returned the items and was owed a refund of {$120.00}, but the Limited went bankrupt and now Comenity Bank still wants me to pay and I dont have the merchandise as I returned it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29
Company: Account Information Management Corporation
State: WY
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:
Collection agency claims that I signed a promise note ( which I did not ) on XXXX. They also claim that I came to their business & personally made 2 payments ( 1 on XXXX & the other on XXXX ). I had/have never been to the agency & up until XXXX, I had never seen this person before a day in my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation