BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it clear that failure to review an item within 30 days will result in its removal from my credit report immediately. These entries should be deleted immediately as they are older than sixty days. I demand the immediate deletion of these accounts ; otherwise, I will sue you for the stress you have given me. 

LVNV FUNDING ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Rent Recovery Solutions
State: AL
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:
In  XXXX   XXXX , I moved into apartment  XXXX  of   XXXX   XXXX   which is managed by  XXXX   XXXX   XXXX . Shortly after moving in, I experienced electrical problems that caused the stove, heat, and electrical plugs not to work at times. These issues were not completed until  XXXX   XXXX  when  XXXX   XXXX  refused to come out again unless  XXXX   XXXX  installed the proper conductor so that the apartment could get the appropriate wattage. Then in the  XXXX   XXXX , there were days of heavy rain which began to seep into my guest bedroom. This caused mold and destroyed my dresser and clothes that were in the dresser. After three months, the issue still was not rectified. For this reason, I was forced to terminate by lease early by two months. I filed a civil suit against  XXXX   XXXX   XXXX  to waive the two months rent, court cost, lost wages, and the price of the   XXXX   for moving.  XXXX   XXXX   XXXX   XXXX   XXXX  a counter suit for the two month 's rent, court cost, and attorney 's fees. Ultimately, the judge dismissed both cases. There is no judgement stating that I owe  XXXX   XXXX   XXXX   XXXX  anything. Nevertheless, they turned my file over to a third party, Rent Recovery Solutions, and this third party has placed this fraudulent debt on my credit report. This is a direct violation of the Fair Credit Reporting Act, and this injustice is negatively impacting by ability to purchase a home. I am scheduled to close on my home on  XXXX   XXXX , but it may not happen because of this deceptive and fraudulent activity. I do not see how this is legal when I have a copy of the order proving that both cases were dismissed. Furthermore, I was a long time tenant of  XXXX   XXXX  dating back as far as  XXXX , and I always paid my rent on time. I have attached a copy of this order for your review ; therefore, this fraudulent entry needs to be removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Fraudulent inquiries and inaccurate account information

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 2022-03-26
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I received my tex return into my Venmo account. On XX/XX/XXXX, I tried to transfer {$1500.00} from my Venmo account to my XXXX  account. It never went through. On XX/XX/XXXX, they notified me that my account was frozen due to violation of Venmo, which they never stated what was in violation, & they asked me for a picture of my Id to confirm my identity. I sent them a picture of my Id on XXXX XXXX called Venmo and they told me they can not help me on the phone and the only people who can help me are the account specialists which only communicate via email. Since then, I have exchanged countless emails with them, theyve had 5 different account specialists email me asking for the same Documents which Ive submitted over and over. On XX/XX/XXXX, they emailed me saying they made a final decision that my account is permanently closed & theyre keeping my money, which is over {$5000.00} for loss prevention. I emailed them back asking why and they told me that their decision is final and not to email back because they will no longer respond. On XX/XX/XXXX, I called Venmo again, they told me again they will have someone email me because they can not help me Over the phone, and I asked to speak to someone higher up. They left me on hold for 15 minutes, and the so called supervisor, very nonchalantly repeated over and over that theres no one else I can speak to and he cant help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: KS
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:
Hello, CFPB. I am writing because I am looking for the best way to solve this issue. 
Experian is reporting incorrect information, and this is hugely affecting me. I need them to investigate the following items : 1.  XXXX  XXXX XXXX XXXX. Opened date XX/XX/XXXX. Balance {$1600.00}. Limit {$1300.00}. 
2. XXXX  XXXX XXXX. Opened XX/XX/XXXX. 
Limit {$2200.00}. Closed. 
3. XXXX XXXX XXXX XXXX. Opened XX/XX/XXXX. Original balance {$26000.00}. Closed. 

I sent this company a letter on XX/XX/XXXX. They did not even investigate the account.This is a violation to the FCRA. They are being unfair and negligent. 

Please send the attache letter to Experian. Thank you.

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 2016-05-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. 
Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts is fraud and should be deleted Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX Account number XXXX .... 

Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name 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 2017-05-26
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: Account status incorrect

Complaint:
On XX/XX/XXXX I sent a letter to XXXX requesting that they remove two inaccurately reported 90-day late payments from XX/XX/XXXX from my credit report. All 8 of my federal student loans which were serviced by XXXX XXXX were in forbearance at the time of the alleged late payment, yet for some reason two of them are showing as 90 days late on my credit report. I included a letter I received from XXXX XXXX in XXXX showing the dates of my forbearance which included XX/XX/XXXX. If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly XXXX " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all 3 credit bureaus and they continue to confirm this information is accurate with XXXX. I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XXXX XXXX XXXX I sent a letter to XXXX requesting that they remove two inaccurately reported 90-day late payments from XXXX XXXX from my credit report. All 8 of my federal student loans which were serviced by XXXX XXXX were in forbearance at the time of the alleged late payment, yet for some reason two of them are showing as 90 days late on my credit report. I included a letter I received from XXXX XXXX in XXXX showing the dates of my forbearance which included XXXX XXXX. If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly XXXX " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all 3 credit bureaus and they continue to confirm this information is accurate with XXXX. I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
MY COMPLAINT IS AGAINST ( CITICARDS XXXX XXXX WHO IS THE DIRECTOR OF CITICARDS ) FOR DEPARTMENT NATIONAL BANK. MY COMPLAINT IS REGARDING {$400.00} IN ILLEGAL LATE FEES THAT XXXX BEGAN APPLYING TOO MY ACCOUNT XX/XX/XXXX WHEN XXXX XXXX TO PROCESS A PAYMENT I SCHEDULED FOR MY XX/XX/XXXX XXXX I LEARNED THAT MACY DID N'T PROCESS MY PAYMENT AND BEGAN APPLYING LATE FEES I QUICKLY ISSUED ANOTHER PAYMENT AND CONTACTED MACY TO FIND OUT Y THEY DID N'T PROCESS MY PAYMENT THE CUSTOMER SERVICE TOLD ME THAT SINCE IT WAS THE FIRST TIME IN 7 YEARS I RECEIVED A LATE FEE THEY WOULD REVERSE IT WELL THEY NEVER REVERSE IT AND INSTEAD ADDED THE LATE FEE TO MY NEXT MONTHS PAYMENT ALONG WITH ANOTHER LATE FEE .I FILED A COMPLAINT CFPB AND MACY EXECUTIVE OFFICE NEVER RESPONDED UNTIL I CONTACTED A XXXX XXXX AND INFORMED HER OF MY PROBLEM .XX/XX/XXXX I FINALLY RECEIVED A LETTER FROM MACY EXECUTIVE OFFICE IN AZ BY THAT TIME MACY HAD APPLIED OVER {$100.00} IN LATE 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 monetary relief
Consumer complaint received 2016-06-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed with Experian that the account listed as XXXX has never been paid late, I have even submitted a letter from XXXX to express that and they still continue to report late payments on this 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 2022-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt with portfolio recovery associates is well past the 8 year collection mark. It is no longer in collections or listed in credit reports. I recently paid off another card account, since that time whej they received my cantact info they have started calling day and night multiple times per day from random numbers so they cant be blocked, and mailing letters stating I owe XXXX. I have asked them to stop with no resolve. I am now reviewing legal action and options for myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX from XXXX XX/XX/XXXX transaction was done by me from my XXXX  account, through western union to XXXX overseas bank XXXX, XXXX It is already 12 days my money not yet received to my fathers account, i spoke to them western union customer care they told it is already successfully processed but until now my bank did not received money, i tried lot of times to reach western union customer care they are not picking up the call, i am in the emergency situation to pay my XXXX to bank, so kindly follow them to pay my money back assoon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: CITIBANK, N.A.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had Citimortgage purchase my mortgage from my original mortgage company in XX/XX/XXXX I started paying and everything was going good in XX/XX/XXXX I lost my job do to my XXXX I still managed to make my payments even after they refused to help me, in XX/XX/XXXX my mother had XXXX by XX/XX/XXXX I tried to again get them to help and they again refused, in XX/XX/XXXX my mother who XXXX was diagnosed with XXXX and I was trying to cope and take XXXX again Citimortgage refused to help at one point in XX/XX/XXXX my grandpa died and they not only refused to help me all those times they harassed my tenants to the point on several occasions the payment was a day late or not even by the XX/XX/XXXX of the month and they had representatives at the door of the house at XXXX telling the tenant that I was not paying my mortgage and they would be evicted I lost good tenants because of Citimortgage I have been done so wrong by the company they have violated me so much and I am still blessed to have kept up with my payments There has been times I pay on time by the XX/XX/XXXX but their system reports it not paid I noticed a strong pattern of always posting a late payment here and there to keep me posted and deliberately hurt my credit so I wo n't be able to refinance since I owe XXXX and the house is worth over XXXX they want me to loose so they can cash in Please help I have requested all the errors to be fixed but they refuse I have a record of every payment and even if they are dead wrong they do n't fix the issue Please forward my complaint to any and all other governing agencies that can help Again because of XXXX it takes me a very long time to find help

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 2022-08-17
Company: Experian Information Solutions Inc.
State: SC
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2016-06-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other fee

Complaint:
I have a Best Buy Credit Card which is run and managed by Citi Bank. I have XXXX promotional balances on this card. This card is also used for every day transactions. I kept getting interest charges even when I payed off my monthly use each month and could not figure out why. I finally found out that when I send in a check to pay for all of the transactions on this month 's bill ( the promotional balance is not due ), that check is not completely applied to the monthly transactions but rather also to the promotional balance. They do this so that they can charge me an interest charge. I have asked them to correct this and they say they can not. I 'm luckily diligent enough to figure out how they are incorrectly applying this interest charge but how many other people are being abused? This is stealing. I have n't lost any money because I catch it and spend 30 mins on the phone with them each month correcting it. But I have lost valuable time. This has been going on for 1.5 years.

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 2022-08-16
Company: Experian Information Solutions Inc.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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