BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-28
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I filed an identity theft report with identitytheft.gov and reported the errors on my credit report due to identity theft. I mailed my identity theft report with all requested documents to LVNV Funding LLC and was informed that my case was being investigated. 

I am a currently XXXX XXXX XXXX college student and the LVNV account dates back to XX/XX/2017 that means that account was fraudulently opened when I was XXXX XXXX XXXX. 

As to date the company has yet to remove the fraudulent account of my report which is negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sent a crypto transfer from this company and after XXXX hours they have still not even attempted to initiate the transfer which usually processes within 30 minues. I wasn't provided a trace number or reasonable explaination as to why? The only response was that they have up to 24 hours to complete the transfer. The 24 hours is only a stipulatio that applies when the blockchain is congested or there are system issues. The agent, XXXX at Robinhood  chat support, that I spoke with confirmed there was no reason for the delay and that the transfer just wasn't being done yet. They confirmed there weren't any congestion or system issues causing the delay. When I requested a reversal of the coins back to my account t they refused and also refused to transfer me to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TrueAccord Corp.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 I was contacted by this company in attempts to collect a debt that was caused by identify theft. I then proceeded to Dispute and I was later emailed that they are no longer handling this matter but continues to collect the debt listing amount at different amounts. I am a victim of identity theft and fraud. This has been a problem for me as it's been listed on my credit report. Ism requesting removal and Compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that was not open by me. This has been hurting me as I am in the process of trying to buy a house for me and my family. Please remove fraudulent accounts from my credit report as soon as possible.

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 2023-11-17
Company: FinCo Services Inc DBA Current
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX  I came home and my bank account with current bank had suffered from fraud ( unauthorized transactions ) by the time they caught the fraud it had a remaining balance of XXXX when I talked to the representative about the refund check that was supposed to be sent I informed her that my address had changed because I was the victim of theft fraud assault and more. She sent my check to the unsecured address anyway and the check was stolen ( no surprise there ) not only can I no longer bank with current but they refuse to issue another check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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: Account information incorrect

Complaint:
There is an account that is currently reporting diffrently to each beuroe. i have disputed this account numerous times with each beroe. they st6ate that the data furnisher has varified the account they also have not provide me with verification of dept. This account is reporting illgally and should be removed at once from my cunsumer profile.

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 2023-05-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi my name is XXXX XXXX, and I signed up for Synchrony bank through Amazon to make a purchase of {$88.00} on XX/XX/XXXX and was never issued a credit card by mail. Without the card I was unable to sign into my account with Synchrony bank which ended in XXXX. I was unable to log on to my account until yesterday, XX/XX/2023 and I paid off my debt. My credit score went down and my Synchrony account shows that I made the payment but they are still demanding {$44.00} and saying that my account is delinquent. I have been getting harassment calls every single day since XXXX about making a payment and still got a call this morning even though my payment was processed.

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: LDF Holdings, LLC
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
on XX/XX/XXXX got a loan for XXXX from Makwa Finance they have been taking XXXX out of my account for 13 weeks on the 14th week I paid them {$500.00}, it seemed to me that it was difficult to pay it off in time. On the XXXX of XXXX I owed Makwa Finance {$1700.00}, so I took a loan out from XXXX XXXX for {$2000.00} to pay off a loan at Makwa Finance. XXXX XXXX sent the check out on XXXX of XXXX made it to Makwa Finance on XXXX XXXX, I called to make sure they had got the check they told me that they had received the check that they were not going to process the check for up to 2-3 weeks. And they stated that they were going to still charge my card for {$190.00} until they processed my check. I went to my bank and put a stop payment on my funds and called XXXX XXXX  to put a stop payment on my check. I had to call XXXX XXXX  to get authorization for a cash advance for {$2200.00}, at the same time asked the representative to stay on the phone with me while I paid off the remaining balance On XXXX XXXX XXXX, I paid Makwa Finance {$1800.00} they sent me an email that my account was paid in full. but on XXXX  the XXXX they sent me an email stating that I owe them more than what I had paid. And they threatened to keep charging me interest and also reporting it to my creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled a credit card debt with XXXX XXXX  in XX/XX/2022. In XXXXXXXX XXXX XXXX Portfolio Recovery illegally contact the 3 Credit Bureaus claiming that I owed XXXX XXXX. Portfolio Recovery posted a collection in the amount of {$940.00}. 
I assumed the debt was legitimate since it was posted by the 3 credit bureaus. After closely looking at the last payment of {$150.00} to Portfolio Recovery, I realized that I'd been scammed. If Portfolio Recovery does not send back my money. I will escalate this grievance to higher authorities. I have attached the money order I sent to XXXX XXXX  in XXXX XXXX XXXX which settled the credit card debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Nelnet, Inc.
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im not sure whats going on. Upon checking my consumer report it appears that NelNet debt collector is reporting I owe them an alleged debt. I dont know who this company is or how they acquired my private personal information because I have never done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a letter out on XX/XX/XXXX to XXXX, Transunion, and XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting Act, DPT EDXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-02-23
Company: CBC Companies, Inc.
State: NC
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:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit.

If you can provide a cons of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry.

If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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 asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX XXXX Account number : XXXX US DEP ED Account number : XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked with XXXX for a trip on XX/XX/XXXX. The hotel that I booked the travel for was really terrible. Cigarette smoke. Heavy odor of cleaning liquids. I went online and cancelled the trip. XXXX sent an email and said I will be refunded. They then said I should get a refund as long as I cancel before XXXX XXXX  XX/XX/XXXX. I cancelled at XXXX XXXX. Now XXXX will not refund the {$96.00} and ask I call the hotel. The hotel is not refunding either. I filed a dispute for capitalone providing all the evidence that I cancelled on time. Now for the XX/XX/XXXX transaction they said they will reopen and investigate it. In the meantime, they have charged the transaction back to my account and then charged me interest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Advanced Resolution Services 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:
XX/XX/XXXX I requested a consumer report from XXXX. I received my report from them XX/XX/XXXX. After reflecting over the report I noticed there was some incorrect information that they had on file. I have enclosed the dispute form they sent me and asked them to correct or remove the inaccurate information. XX/XX/XXXX. I sent this certified through XXXX. With the dispute form I also included a letter head from XXXX dated XX/XX/XXXX stating they did not have any record of me applying for credit. This application is being reported 3 times with XXXX. I have enclosed copies of the consumer report to reflect what they have on file. 


XX/XX/XXXX I received an updated consumer report from XXXX showing where they corrected the name on my report and removed XXXX of the CC applications from XXXX XXXX, but did not remove the other XXXX applications, claiming they were verified and would remain on file, although, I sent a letter head in from XXXX stating they had no record of such application. 

They are also falsely reporting a bankruptcy on my consumer report, claiming that XXXX XXXX XXXX has furnished this information. 
XX/XX/XXXX XXXX XXXX sent correspondence stating that they have deleted the bankruptcy from their file. I have enclosed this document. 

XX/XX/XXXX XXXX sent correspondence stating that they deleted the address associated with this bankruptcy as well as the name associated with this bankruptcy. I have enclosed this document. 
XX/XX/XXXX I wrote to The XXXX BANKRUPTCY COURT requesting their procedures on reporting bankruptcy information. 
XX/XX/XXXX The XXXX Bankruptcy court wrote back letting me know they do not report this information. I have enclosed this document. 
XX/XX/XXXX I wrote correspondence to XXXX requesting their reports on me and they clearly state that if the bankruptcy was before XX/XX/XXXX they did not report this information to XXXX that it went through XXXX. I have enclosed this document. 

XX/XX/XXXX I am now disputing this information again with the XXXX dispute form they provided and copies of the consumer report along with the letter heads and documents to support my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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:
I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/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 2022-12-22
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights 15. USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if information other than. Records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I am not liable for this debt with " XXXX XXXX XXXXXXXX XXXX and do no have a contract with " XXXX XXXX XXXXXXXX XXXX  they do no provide me with the original application like I asked

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