BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
on XX/XX/2019 my bill did not go through when it as on auto-bill. I reached out to the company and they said they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
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:
Experian is recording a fraudulent account in my name XXXX  and XXXX  deleted account over 7months ago I need help please

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 2020-03-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Last 4 SSN:XXXX My identity was stolen in early 2018 and multiple credit cards we taken out in my name. They were charged off and sent to collections. 
I have disputed these many times but the credit bureaus and the companies will not help me. Customer service for the companies and the bureaus would not help and remove and take care of the fraudulent accounts and inquiries reporting to my credit report. These are only a few of them I am requesting removed, along with there inquiries. 

XXXX XXXX  Account number XXXX Date opened XX/XX/2018 Balance {$460.00} Credit limit {$350.00} Account type Charge Off Revolving Yes Open No XXXX XXXX XXXX XXXX 
Account number XXXX Date opened XX/XX/2018 Balance {$0.00} Credit limit {$300.00} Account type Charge Off Revolving Yes Open No Authorized user No XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Account number XXXX Date opened XX/XX/2018 Balance {$870.00} Credit limit {$0.00} Account type Collection Revolving No Open No Authorized user No

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The Rewards from the XXXX XXXX issued XXXX XXXX XXXX do n't actually redeem. I have n't been able to redeem the Rewards towards purchases to date, every time I have tried to redeem the Rewards online or in store, the Rewards is always empty or not available to use. The reps tell me the money is there and available, but when I try to use the Rewards no funds are actually there. I 've tried to resolve multiple times via email, phone and in person. It 's false advertising that Rewards are issued but not able to be redeemed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Experian Information Solutions 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:
I AM A VICTIM OF IDENTITY THEFT ALSO WAS IN THE XXXX  DATA BREACH I HAVE BEEN GOING OVER THESE ISSUES FOR MONTHS NOW IN REGARDS TO FRAUDULENT THINGS REPORTING ON MY CREDIT SERVAL TIMES AT LEAST EVERY MONTH THIS YEAR OF 2019 I HAVE TRIED TO HAVE THIS ON GOING ISSUE RESOLVED.

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 2021-10-05
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being sued by a XXXX XXXX XXXX in court of XXXX XXXX, NJ through XXXX, XXXX XXXX XXXX, XXXX XXXX firm for the debt that they did not validate. I have filed my answer with court on time. I have received in the mail interrogatories from XXXX, XXXX XXXX XXXX, XXXX that I responded to. I have mailed them my interrogatories asking to validate the debt and about the Statue of Limitations several times and did not get any answers. They mail me harassment letters wanting me to admit the debt without any validation. I have attached the documents that I have received from the court, XXXX, XXXX XXXX XXXX, XXXX, and my responses to them. I can not obtain any account statements from the original creditor Citibank N.A. in order to verify the debt and the last date of payment for Statues of Limitations. This account has been charged off as per Citibank , N.A . and I don't remember any details and don't have any records left.

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 2020-04-08
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$800.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2011 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WV
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:
Portfolio Recovery has obtained a supposedly charge off from XXXX XXXX. I lived briefly in XXXX XXXX North Carolina with some room mates, when I moved to care for my father. Last year I noticed that there was an account opened in my name. I have disputed this and I have spoken with Portfolio Recovery to try to remove this. I have had my information stolen and I have had numerous security breaches in my accounts. I have fought this for well over a year and it is still not removed through XXXX. Also, on my XXXX  report is a XXXX XXXX XXXX from XXXX XXXX, that has been turned over. I never had electric service in my name with XXXX XXXX. I have also tried to dispute it. I can not log into my XXXX  to dispute due to the ignorant security questions it is asking from 10 years ago, like what was my phone number or how much a payment is on a loan I never had. This is due to fraudulent activity that has occurred. Also my information was breached through XXXX, and these said items I am speaking of happened around the same time. Coincidence or not ; I cant help but to believe my information was sold and/or used in some way. And I can not dispute the credit inquiries that are on my credit report, which is totally unacceptable. These things stay on your report for at least 2 years. Some of the inquiries I have never authorized. The whole credit scoring is messed up. You should not have to be penalized for a credit inquiry. Hospital bills should not appear on your credit report. And you shouldnt have to wait 7 years for something to come off your credit report. Bad things happen to good people, but 7 years is a long time to try to get good rates on loans or insurance, even after the bad time passes and you are back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: National Recoveries, Inc.
State: PA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 'm on XXXX and there not supposed to be able accordingly to there letter to touch my XXXX but the have for the last 2 months and I 'm on XXXX also and I 'm XXXX household

Company response to consumer: Closed
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 credit inquiries on my transunion report from XXXX XXXX  and XXXX XXXX that I did not authorize. They are reported on XX/XX/XXXX. I also have inquiries from XXXX on my report that I did not authorize on XX/XX/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 2020-03-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for and received a Chase Freedom Unlimited credit card. It stated that I would receive {$200.00} if I spent {$500.00} within the first three months, which I did. Now they say it will only be {$150.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX and Transunion are reporting incorrectly that I am ( 30 plus ) days late on the XXXX XXXX   partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2020-03-01
Company: Bull City Financial Solutions, Inc
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX has obtained a supposedly charge off from XXXX XXXX. I lived briefly in XXXX XXXX North Carolina with some room mates, when I moved to care for my father. Last year I noticed that there was an account opened in my name. I have disputed this and I have spoken with XXXX XXXX to try to remove this. I have had my information stolen and I have had numerous security breaches in my accounts. I have fought this for well over a year and it is still not removed through XXXX. Also, on my XXXX  report is a Bull City Financial from XXXX XXXX, that has been turned over. I never had electric service in my name with XXXX XXXX. I have also tried to dispute it. I can not log into my XXXX  to dispute due to the ignorant security questions it is asking from 10 years ago, like what was my phone number or how much a payment is on a loan I never had. This is due to fraudulent activity that has occurred. Also my information was breached through XXXX, and these said items I am speaking of happened around the same time. Coincidence or not ; I cant help but to believe my information was sold and/or used in some way. And I can not dispute the credit inquiries that are on my credit report, which is totally unacceptable. These things stay on your report for at least 2 years. Some of the inquiries I have never authorized. The whole credit scoring is messed up. You should not have to be penalized for a credit inquiry. Hospital bills should not appear on your credit report. And you shouldnt have to wait 7 years for something to come off your credit report. Bad things happen to good people, but 7 years is a long time to try to get good rates on loans or insurance, even after the bad time passes and you are back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
i had a XXXX Cell Phone account and they were unable to keep the services working that i was paying them for, after multiple Communications with the service department and Store managers and trying a Mini Cell tower in my home the services still were not working Half the time. i communicated my request for them to fix the service or give me credit Both requests went on def ears. 
i was left with no other choices after being told the problem was their towers but to switch providers as i did over to XXXX. 
i was a long time customer and the last 1 year and a half was like paying for nothing. 
This left them claiming i owed them {$2100.00} for services that they could not get to work From XX/XX/XXXX to XX/XX/XXXX. 
i feel this account should be removed for my report at once and XXXX should take responsibility in this matter.

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 2020-03-01
Company: USI Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card with XXXX XXXX XXXX until I became XXXX in XX/XX/XXXX. I settled the account with the bank for a lesser amount when I had no regular income in approximately XX/XX/XXXX.

In XXXX, I was contacted by USI Solutions Inc. alleging the account was assigned to them in the amount of {$4900.00} and demanding payment.

Pennsylvania has a 7 year statute of limitations, and the debt was settled. I lost all records of the original account in a house fire in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: EQUIFAX, INC.
State: TX
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:
This company refuses to complete an investogation to my concerns, I provided documentation that one item had been paid to the company before, it went to the collection agency, the next one I proved more documentation about the medical bill but Equifax refuses to address my concerns. 
PAYMENT HISTORY Note : Insurance paid {$510.00}. 
Date Amt Account Paid To Reference ID Status Processed Date Method Notes XX/XX/2020 {$120.00} XXXX XXXX XXXX XXXX Released, Cleared XX/XX/2020 XXXX You have 100 % left to pay on this collection. 

Balance {$110.00} Highest Balance {$110.00} Opened Note Paid by XXXX PAYMENT HISTORY Note : Insurance paid {$450.00}. 
Date Amt Account Paid To Reference ID Status Processed Date Method Notes XX/XX/2020 {$110.00} XXXX XXXX XXXX XXXX XXXX Released, Cleared XX/XX/2020 XXXX The company refues to up date or dispute our accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
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: Information belongs to someone else

Complaint:
ftc violations XXXX XXXX : If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX XXXX : FTC Action Halts Allegedly Illegal Tactics of Payday Lending Operation That Attempted to Garnish Consumers Paychecks SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/2011 TAGS : Consumer Protection After the Federal Trade Commission filed an action in U.S. district court, a payday lender that allegedly attempted to illegally garnish consumers wages has agreed to stop the challenged conduct pending trial. 

As part of its continuing crackdown on scams that target consumers in financial distress, the FTC complaint alleges that XXXX XXXX, XXXX, doing business as XXXX XXXX and XXXX XXXX XXXX, along with other defendants, illegally attempted to garnish consumers wages without obtaining a court order, to collect payments on payday loans. As a result, the defendants illegally revealed consumers supposed debts to their employers and deprived consumers of their right to dispute the debts or make payment arrangements, the FTC alleges. 

According to the FTC, defendant XXXX XXXX XXXX operates XXXX XXXX, XXXX, and several related businesses in XXXX XXXX, South Dakota. The defendants offer short-term, high-fee, unsecured payday loans of {$300.00} to {$2500.00} to consumers throughout the country, advertising on television and through websites such as XXXXm and XXXX. 

XXXX inquires : creditor contract XXXX XXXX XXXX XXXX XXXX XXXX ( twice )

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 2020-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Over the past few months, Portfolio Recovery had sent me correspondence regarding a debt from XX/XX/XXXX. They reaged the debt and are reporting it to the credit bureaus as aXX/XX/XXXX debt. They have admitted over the phone it is from XX/XX/XXXX but refuse to correct it with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: CITIBANK, N.A.
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:
I had to pay it late. I need the late fee to be reversed. I am still suffering because of covid. You won't help me with payments, but you can at least waive the late fee. I paid the bill.

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 2020-03-01
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke with PDQ Services last month regarding this debt that they claim I owe to XXXX XXXX XXXX . XXXX XXXX XXXX claim that I owe them money for an apt `` trash out '' during move out. They say they have contacted the original creditor " XXXX XXXX ' and confirmed the debt, which is FALSE. As the documents shows on the move-in and move-out inspection that I never was aware of a debt and I never signed a move OUT inspection. I have not received any PROPER validation of this debt and it need to be removed from my credit report immediately. I am also reporting XXXX XXXX XXXX for bogus business practices for trying to rip off residents, not to mention, that when I moved in I didn't have a security deposit. So I guess they wanted to make some money off of me by any means. Again, PDQ is not complying with the FDCPA and are in violation of the act. This account should be deleted immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by XXXX that a collection account had been added to my report early XXXX. I immediately reached out to this creditor whom I have never heard from via phone or mail, nor done business with and asked them for immediate validation of this debt per my FCRA rights. They responded with a typed letter stating I owe {$1100.00}. It contained no contract, no original loan date, nothing at all with my name and no documentation showing their rights to even collect on this unowned debt. On my credit it also shows that this account was opened XXXX of 2020 which is impossible due to the fact I am currently XXXX overseas. After asking for validation a 2nd time the company has stopped responding completely. I have attached the letter the used as VALIDATION of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: Experian Information Solutions Inc.
State: MO
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:
It's challenging enough when your identity has been compromised, but for the credit reporting agencies to continue to report unverified accounts then it becomes an legal issue. I was either told that my previous disputes where verified or they didn't respond at all. However, no account has been properly verified because I never recieved the requested hard copy of documentation for neither disputed account. The credit reporting agencies would say that yes the accounts been verified, however as a general rule of law electronic Verification can not be accepted as proof. Exactly what Method of Verification was used?, who spoken with whom?, what date and time did this investigation take place? Now if you can not provide me with this information then as a consumer I'm demanding that these accounts be blocked immediately from my credit files. 
Accounts to be removed. 
1 ) XXXX {$72.00} 2 ) XXXX {$71.00} 3 ) XXXX XXXX {$130.00} 4 ) XXXX  XXXX XXXX {$30.00} 5 ) XXXX XXXX  XXXX 6 ) XXXX XXXX  XXXX {$680.00} 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX XXXX {$350.00} 9 ) XXXX  XXXX XXXX {$5700.00} 10 ) XXXX XXXX XXXX XXXX {$3800.00}

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