BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom It May Concern, I have been trying for years to advocate on my behalf per my rights as a consumer against the unfair and deceptive acts committed by Midland Credit Management against my credit report. 
MCM obtained a debt they claim that I owe on XX/XX/XXXX. 

XX/XX/XXXX, I requested through certified mail, verification and validation of said debt. They did not respond to my request. 
XX/XX/XXXX I reached out again through certified mail. They're response was a copy of a XXXX page letter from XXXX. 
No names, and no amounts were listed. 

For over XXXX years, MCM has held me XXXX and refused to provide documentation of validation of this debt. MCM has blatantly ignored my request for documentation of validation of this debt. No paperwork showing my name, and no amounts to give me the fair opportunity to verify. 
XX/XX/XXXX, MCM sued me in civil court and lost. I challenged them. They did not provide XXXX single piece of documentation and the attorney did not show up to court. 

What is of most extreme concern and is outlined below. 

Over the years, MCM has not only changed the amounts reported to the credit bureaus on this account in which they claim I have financial obligation, but have also changed the account numbers ( Please see attached documentation. ) XX/XX/XXXX - Credit report showed a balance of {$2900.00} account number beginning in XXXX. 

XX/XX/XXXX - Credit report showed a balance of {$2900.00} account number beginning in XXXX. 

After my certified letter was received on XX/XX/XXXX, MCM began changing the amounts and account numbers on the offers they submitted to me and on my credit report. 

XX/XX/XXXX - MCM mailed me a debt offer letter listed with a current balance of {$2900.00} account number ending in XXXX. 

XX/XX/XXXX - Credit report showed a balance of {$2800.00} account number beginning in XXXX. 

XX/XX/XXXX - Current report shows {$2800.00} account number beginning in XXXX. 

This has resulted in irreparable damage to my finances and to my financial reputation. 
I am reaching out CFPB pleading to advocate on my behalf. Not only are we dealing with a validation issue, but an issue of amounts and account numbers not adding up. 
All three major credit bureaus XXXX, XXXX, and XXXX have been notified for for years. All have ignored my request to fix this unfair and unjust situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
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 submitted a dispute letter on XX/XX/XXXX, as my sixth attempt to let you know that I was the victim of identity theft, and I'm writing to contest some things that the criminal added to my file. The things I'm disputing have nothing to do with any purchases I made or authorized that resulted in the acquisition of any products, services, or money. Please prevent any information in my credit file that was obtained through identity theft from being reported. I don't know what these things are. Additionally, I have concerns about the accuracy of the information you provided on some accounts because it has been DELETED from other bureaus, and the reported payment histories on some accounts are a mystery to me. FCRA 605B ( c ) ( 1 ) ( C ) - Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please remove the following items as they were the result of the identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-08-21
Company: CBC Companies, 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: Account status incorrect

Complaint:
XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Attn : XXXX XXXX  account # XXXX i have no recolection of this account does not belong to me applied bank account # XXXX this account is paid settled in full i have included an letter stating a XXXX balance from the collection agancy XXXX XXXX account # XXXX  account is closed and reports XXXX balance on XXXX so the balance needs to report accurate on all companies XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXXXXXX XXXX account # XXXX i have no recolection of this account does not belong to me also its reporting twice as XXXX tradelines not mine XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me FOR ALL OF THESE ACCOUNT I WANT DOCUMENTATION OF THE VALIDITY OF THESE ACCOUNT AND HOW THESE ACCOUNT WERE VERFIED. I WANT PROOF OF MY SIGNUTE FOR THESE ACCOUNTS AS I DO NOT RECALL HAVING ANY OF THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 at around XXXX I got a call from from a lady at XXXX ( XXXX ) XXXX. She said I owed a debt and to call this number XXXX ( XXXX ) XXXX. The man that answered insisted I owe XXXX dollars to Citibank which I have no recollection of and is not on my XXXX XXXX. He was hostile and hung up on me twice when trying to ask questions. What Im most concerned about is he knew my whole social security and my address

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 2022-08-21
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Account XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX credit card Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX accordance with the XXXX XXXX XXXX XXXX XXXX XXXX listed above has violated my rights 15 U.S.C 1681 under 602 A States I have a the right to Privacy 15 U.S.C 1681 Section 2 :. It Also states that the consumer reporting agency XXXX XXXX an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX  Account XXXX XXXX card Account number XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX accordance with the XXXX XXXX XXXX XXXX XXXX Account listed above has violated my rights 15 U.S.C 1681 under 602 A States I have a the right to Privacy 15 U.S.C 1681 Section 2 :. It Also states that the consumer reporting agency XXXX XXXX an 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 2022-08-21
Company: Revolut Technologies Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to add {$100.00} to my Revolut account using XXXX XXXX ( XXXX XXXX ). I was then restricted and a request to confirm the " card '' being used to load my Revolut account was mine. I followed the instructions and for over XXXX hours I did not receive any response. I had to flood their direct message box on XXXX to get any attention, the representative who ended up taking my original chat in their app, provided no help and informed me it was being reviewed. Upon checking the status, no movement has been made, it doesn't even state the review has been submitted. I received my salary from XXXX XXXXXXXX via direct deposit to Revolut and I've completed their identity verification upon opening my account.My direct deposit from XXXX XXXX will be deposited on XX/XX/2022, I need access to those funds for bills. It has been more than XXXX hrs and absolutely NOTHING has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-10-27
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:
Im submitting a complaint to you today to inform you that this unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-27
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I moved to XXXX XXXX last year, but was traveling a lot for work and ended up moving to XXXX XXXX. I wanted to open a credit account to build a strong credit score so when I was buying stuff at XXXX XXXX, I signed up for their credit card system not knowing they had put an outstanding balance of XXXX XXXX This was 8 months ago. I never received the credit card, therefore I still to this day have never used the card and have no idea where it is. Then I started getting calls from 'unknown ' saying I had to pay XXXX $ about 3 months ago, so I thought it was a fraud because they didn't specify where they were coming from. Then more unknown, or random numbers were calling me saying I owe XXXX $ to XXXX XXXX. I explained to them I have no idea why I would owe them that because I never received the card therefore I couldn't go online to pay whatever outstanding balance was on my card because I couldn't sign in without the credit card number and information in the package that was supposed to be delivered to me. My hands are tied. I kept trying to find a number to call back but could never find one. I  finally spoke to someone and just asked if I could pay whatever it is over the phone to settle this not knowing how deeply it affected my credit score. It's clearly a very, very sneaky system. My credit score is now very low because of this and I'm hoping to sign a lease for a new apartment in XXXX. I'm XXXX years old trying to start adulthood in the strongest way possible and this was a serious shock when I saw that my credit score was so low when looking to see what it is so I can find an apartment to call home and start my own life. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Ally Bank debit card was charged XXXX XXXXXXXX in XXXX. Despite a huge spike in fraudulent charges in XX/XX/2022 to Ally Bank debit cards Ally Bank did not notify customers about this data breach. Disputing transactions online was not possible - it just said to call. Wait time on the phone was over an hour.

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 2022-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CAPITAL ONE CLOSED MY CREDIT CARD ACCOUNT WITHOUT WRITTEN NOTICE AND HAS REFUSED TO REOPEN THE ACCOUNT OR REFUND MY LARGE REWARDS BALANCE ( 28110 POINTS VALUED AT {$280.00} ). I TRIED TO RESOLVE THIS WITH THE COMPANY BUT WAS TOLD IT IS THE POLICY OF THE COMPANY TO CLOSE INACTIVE CARDS. I ASKED FOR PROOF OF WRITTEN NOTICE AND WAS TOLD BY XXXX AGENT IT WAS EMAILED, THEN BY A SUPERVISOR IT WAS MAILED. I RECEIVED NOTHING BY EITHER EMAIL OR MAIL AND REQUESTED THAT THEY REFUND MY POINTS OR REOPEN THE ACCOUNT SINCE I BELIEVE IT WAS DONE IN ERROR. I WOULD LIKE THE ACCOUNT REOPENED AS I HAVE EXCELLENT CREDIT AND MY REWARDS RESTORED. I HAVE MULTIPLE ACCOUNTS WITH CAPITAL ONE AND FEEL THIS WAS DONE TO CHEAT ME AND OTHERS OUT OF MY REWARDS BALANCE. I HAVE SEEN THIS REPEATEDLY SAID TO OTHERS IN COMPLAINT FORUMS ONLINE. THE BANK SHOULD HONOR THE DEBT AND STOP LOOKING TO CHEAT HONEST CONSUMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: JPMORGAN CHASE & CO.
State: OR
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:
Chase Ink Business Card from XXXX to XXXX account closed. 
Charges made on purchases were added as cash advances on the account. Which incurred other fees and a higher interest rate. 
Were also being charged for a balance transfer we never made on the account. 
We made a total of about {$2500.00} in cash advances in the last XXXX years all else were strictly normal credit card purchases. 
My wife closed the account about XXXX years ago after they told her the vendors were putting the purchases through as cash advances and refused to fix the problem. 
We now have a balance of about {$10000.00} all of which I was told was all interest and all being charged under the cash advance interest rate. 
Weve called all or most of our vendors and have been told they do not have the option of cash advance when charges are made. We also run a store and do not have that option either. So the only place that could happen would be at Chase. 
Spoke with them for about 2 hours today XX/XX/XXXX with zero resolve. 
Have never had any other credit card company do this, personal or business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Affirm 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: Information belongs to someone else

Complaint:
Somebody fraudulently opened an account in my name. Get this off of my credit report. Affirm Inc. : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX THIS IS FRAUD. THERE IS A XXXX FREEZE ON MY CREDIT FILE. HOW DOES THIS XXXX GET PAST THE BUREAUS?! Unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My account is incorrect, I am a natural person, I am a living human being, I have right under 15 USC 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy & consistency. 
XXXX, and Experian is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and accuracy I did not give XXXX and Experian written permission to furnish these accounts. 
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