BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I check all three of my credit reports weekly as I am building to an idea score so i can rent a townhome and have had false reports on my statements before that damaged my credit. On XXXX XXXX I discovered a collection account on my XXXX and XXXX reports from XXXX XXXX XXXX for {$430.00}. It claims the account was opened in XXXXXXXX XXXX XXXXXXXX however through XXXX XXXX I've not applied for any loan or given my information to anybody nor have I received any communication or mail that a loan was given out in my name or in jeopardy of being in collections. I tried contacting XXXX who were the original creditors, it was stated they had no record of me applying for any loan or receiving one and that I would need to discuss the matter with the collection agency which is has prompted me to open this investigation. I have not applied for any loan or financial assistance since XXXX and all my collections were paid i moved to a new location and updated all my addresses prior to XXXX and am unaware where my information could've been gathered to use for this purpose. i spoke to XXXX XXXX XXXX today updated my contact info since the address and number the had were not accurate and have asked for validation of debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1600.00}

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 non-monetary relief
Consumer complaint received 2023-03-06
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:
Name : XXXX XXXX Reporting amount : {$10000.00} I have contacted LVN } V numerous times to validate this debt and have not received anything that validates this debt They have reported inaccurate information on my credit report, and keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Account : Reason : Instruction Please provide me with the following : ( 1 ). Full accounting of this account ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract If you cant provide me with sufficient proof listed above, then you must deleted the above account from all three credit report ASAP. Let me remind you of the law. According to FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. If you verify this inaccurate from the credit bureaus without providing me with all items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney that specialize in suing debt collectors will be on standby waiting for my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Frontline Asset Strategies, LLC
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX i Sent a VALIDATION of debt request to Frontline Asset Strategies. The company refuses to PROVE that i have a legal obligation to pay this debt, and refuses to sent the requested information. The company also failed to provide detailed steps used to ensure this was my debt. I have sent several letters to the company including a debt VALIDATION/ PROOF letter, and the requested documents were not sent. I dispute this debt. i am requesting an original contract with my signature showing that the debt is VALID and is my debt. If this can not be provided the debt must be removed from all 3 major CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Good afternoon! 
I tried reaching out to the Discover credit card company on XX/XX/XXXX regarding my late payment. I am having trouble financially. I was told by XXXX that there are XXXX programs that may be able to help me. I did not turn this offer down, I told her that I needed time to see which program I would most benefit from. Moving forward, I called back again on XX/XX/XXXX with the program I had decided on. This time I spoke with XXXX. He told me I had declined the programs and that there was nothing he could do. So, I called back and talked to XXXX, and she told me if can pay the minimum payment of {$170.00}, I would be able to choose a payment program. That being said, I did pay the {$170.00}, only to be told by ( I think her name was XXXX ) that there was no program available. I then asked to speak to a supervisor- ( I did not get his name ). He said that my account is still showing deliquent, and until I paid the remaining minimum balance of {$150.00}, there was nothing he could do. Also, he said for me to call back after making this payment, that there was a possibility that there may some type of program but that he couldn't promise anything. I repeatedly said that I didn't refuse the programs, I just needed to decide which one. They take that as a refuse, and then they refuse to help you. The XXXX programs I was originally presented with was a XXXX XXXX reduced rate at XXXX, and then a temporary hardship program for 6 months at which time I would pay {$75.00} monthly, and that I wouldn't be able to use my card in that XXXX month time period. I was given false information, and feel that I was tricked about them actually being able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America and XXXX inquiries were made under my name on XX/XX/2022. Fraud because I never submitted to apply for either of those credit applications.

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 2023-07-17
Company: U.S. BANCORP
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
i had thousands of my dollars stolen by card services relia card id card # is XXXX their phone # isXXXX XXXX XXXXXXXX XXXX the company stole my identity and did business without my consent the worse part is that they did this with the tax company XXXXXXXX XXXX  but the company was unlawful to accept thrid parties this card is not allowed to reload and they put my taxes on the account and they were stolen by others they have then seen the errors when I reported the dishonor and made me wait still to this day they have not funded my account with a refund im not able to say how much was taken but my taxes and my government funding was taken I have been XXXX because of my money being mishandled by these fraud actors they need to refund me asap because of unlawful acts that is not in their policy none reloadable accounts that were unable to get reloaded by other agents this robbery and violate title 15 1028.and title 15 1681 a findings and truth lending remove any cases against me and allow the agents to refund upon this notice i shall not have to wait on my funds as the company has seen they made big errors with my funds and after reporting the first funds gone they did a illegal transaction with XXXX XXXX and robbed me again

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 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I have an overall credit limit of {$65000.00} on my combined credit cards ( 10 ) with an overall 1 % credit utilization. However, I had a 30 % utilization on one of the cards, the total balance on all cards was {$960.00}. 
{$960.00} balance compared to a {$68000.00} limit, indicates utilization is less than 1percent. So, I was baffled when my credit score dropped XXXX XXXX both on Transunion 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 2023-02-22
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
navyfed has not returned money owed to me due to a dispute further they have limited my access to my acc on numerous occasions and even changed my gender to my biological gender XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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: Information belongs to someone else

Complaint:
Experian is reporting on my FROZEN credit report a new address of XXXX XXXX XXXX XXXX tx XXXX which is incorrect. XXXX ( the company submitting this address ) had a fraudulent application submitted to them which has been cancelled but this address is still being reported as an valid address to my credit report which is inaccurate!

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 2023-03-06
Company: CBC Companies, Inc.
State: TX
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:
I was checking on my credit report when I found out that there are so many incorrect information, and unverifiable information being reported in my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-06
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Fraudulent charges and the credit card company refused to remove them. The charges are highly suspicious. I had a XXXX balance and can not remember the last time I used this card. The type of charges and frequency should have been picked up by the algorithm they use for security. I reported a card missing, immediately closed my account and filed a Sherrifs 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 monetary relief
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-02-11
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had been a Citi Costco cardholder since XXXX with a {$6500.00} credit line and spotless payment history through XX/XX/XXXX when I lost the 2nd of 2 jobs and a combined income of {$150000.00}. Despite this, I continued to make payments on all debts including this credit card despite moving all my finances to another bank. Unfortunately, while looking for new employment and helping care for my mother and father in XXXX and XXXX, I got the payment account and deposit accounts for my unemployment mixed up and I bounced 2 payments for the credit card. Accordingly, Citi closed the account in XXXX ( by letter ) without any stated, implied or verbally communicated opportunity for explanation or mediation. Accordingly, I let the matter go given the priority of matters. 

Three plus months later, I called in to inquire about the status of my rewards certificate and the recording advised me that my reward was forfeited due to the closure of my account. No rhyme, reason or explanation, just a harmful and reckless theft of rewards that were based on valid purchases during the year. I called and spoke to a supervisor who advised that the 90 day window for review and possible reopening of my account expired in XXXX. 

So, I have no job, unemployment benefits have expired and the almost {$900.00} I was planning on has evaporated. It's yet another example of a financial company that coldly, unsympathetically and egregiously takes from those most vulnerable when they need financial assistance the most. 

I could really use your help. 

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 2023-04-23
Company: Experian Information Solutions Inc.
State: NV
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 have an account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$850.00}.

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
Consumer complaint received 2023-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XXXX I checked my credit score and it had gone down XXXX points. I figured out that it was a charge for {$2.00} on my Khols card that I only got for discounts and never used. It seems I used it to get a discount and somehow they accidently put {$2.00} on in instead of charging my Debit card the full amount for the purchase. I called and it turns out they had my incorrect address which I had them fix. I paid off and closed the card and was assured the credit agencies would be contacted to repair my credit. Next month I check my credit expecting it to be fixed but instead it was down another XXXX points. I called again and not only did they get my address wrong again but they also got my debit card number incorrect so my card was still not paid off! 

I got it paid off again and got them the correct address again. Then I got a letter saying that if I wanted my credit fixed I had to send them all of my info and an explanation of what happened and my credit score by mail or FAX. I can't even find anyone who does faxing. I am doing my best to make that happen today but what if nothing comes of it? Its XXXX and they still have not fixed things. What do I do if they keep screwing up and not doing what they said they would? My credit score was in the low XXXX and now it is in the mid XXXX. I've worked my XXXX off as a low income person to keep my credit score high because it has been so helpful. 

I tried to file a complaint with the XXXX  but even that is proving tricky.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ive been receiving phone calls from portfolio recovery for over the last two years. They will call me from numbers I will tell them to not call and they will call from a different number and I will tell them again to not call me back and they do from different numbers in state and out of state. They will call all hours of the day and night. I will block the number they called from and then they call me back on another number immediately. If I get a call from them and I ignore it they will call me back immediately again from another number. 
They also send me mail all they time in different formats of mail, letters, prize type award stylized letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX Inquiries that I didn't file for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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:
XXXX XXXX at XXXX XXXX XXXX, XXXX, Oregon XXXX has reported a hard inquiry on my credit report. I do not know this company and have not applied for or have never done business with this company. This company does not have an application with my signature.

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