BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-23
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I saw a credit report that had LVNV Funding on my file. I wrote LVNV FUNDING and asked them to validate this debt. They didn't answer me. But they continue to report it on my credit file and they continue to add more money to the amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
After reviewing my credit report I realized there were unauthorized hard inquiries on my account. I sent a certified mail with a letter to delete the hard inquiries, the letter was sent with two forms of IDs and an identity theft report. The accounts involved are as follows ; XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery is reporting a collection account on my reports that I am not familiar with. I have reached out to them via mail requesting sufficient documentation stating how they figure this account and debt belongs to me. Here is the tracking, XXXX XXXX XXXX XXXX XXXX. In receipt of this validation request they only sent an itemized statement of the account. A statement is not validation of debt further proving that they do not have valid proof to support their claim. I am requesting that this account is deleted from my credit reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: TN
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 paid my balance on my XXXX XXXX credit card under the agreement that they would both close the account under my name and remove it from my credit report. They agreed to do so when they received the final payment on XX/XX/XXXX. I left the matter alone and was notified with my credit report later that the account had not been removed as promised. I 've disputed the claim with XXXX and equifax XXXX times with each company. Each time the dispute comes back as 'verified as accurate '. This was not the agreement I had made when completing my payments and my credit reports need to reflect that accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: TX
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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2019-10-08
Company: CITIBANK, N.A.
State: WA
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:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

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 2018-09-07
Company: LEXISNEXIS
State: VA
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:
On XX/XX/2018, I received information from XXXX of a Public Record on my credit file. I was curious and wanted to find out where this information came from. I found out that part of the information came from a company called Lexis-Nexis. I never did business or heard of such a company so I contacted them to see what type of business this is and where did they obtain their information. They explained that they were not a credit agency although they collected and distributed information on consumers. I asked since they are a source of information for businesses is their any requirements that they should obtain authorization from a customer before they sell or share such information? 

This is found on the website : Please note that LexisNexis Risk Solutions is not a credit bureau and does not maintain a database of credit information. We do not have the ability to add a security freeze to your credit file. 
If they do not maintain credit information then their access appear to be unlawful and possible fraudulent. Please share your information in regards to this company. As XXXX of Lexis-Nexis that they are in compliance with all regulations. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, I am a Spanish citizen named XXXX XXXX, I have an account at the XXXX company coinbase.com, for many years, I have always had it to save a little and save it, which is my surprise that today XX/XX/XXXX XXXX I receive an email that my account is blocked and they won't let me operate or do anything, I write to support and they laugh at me as if to say, I have more than XXXX euros right now, what is happening?? I think that after years with them they have no reason to block my account and lose everything. My registration email is XXXX. Please help me solve my problem. I feel totally cheated and losing my little saved money. Thank you very much. greetings

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: NV
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 have ask many times for written proof they had my contest with my signature giving them permission to add this to my credit. 


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 2020-01-24
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 explanation
Consumer complaint received 2019-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capitalone XXXX XXXX XXXX XXXX All these credit card companies are stating that my payments in 2018. Were late and on my credit report its showing 30 days late. I called and disputed these allegations and no resolution. 
A little background information started a program through credit counseling in XX/XX/2018 because I wanted to lower my interest rate and continue making my payments to payoff my creditors with good faith. Before this date I was never late on my credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Resurgent Capital Services L.P.
State: OK
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 LVNV Funding LLC C/O Resurgent Capital Services a certified investigation letter on XX/XX/XXXX. According to The Federal Fair Credit Reporting Act 15 U.S.C 1681i LVNV Funding LLC had 30 days from the date they receive my dispute letter ( XX/XX/XXXX) to fix any discrepancys that has been reported to the credit bureaus and/or send validation of the debt. Almost 3 months later I still havent received any validation of this date, nor has anything been updated on my credit report. I then decided to write another certified letter on XX/XX/XXXX which was delivered XX/XX/XXXX stating I allowed more than enough time to finish the investigation and/or to fix any discrepancys that may be on my credit report. I also stating after doing my own investigation and contacting XXXX myself that the opening date was XX/XX/XXXX and that the debt was sold for way less then what is being collected for on my credit report. Based on FCRA this account is to be deleted now for failure to provide accurate information to the credit bureaus and failure to provide validation of the debt in the legal time allowed per the FCRA. 

I then receive a letter from Resurgent Capital Service dated XX/XX/XXXX stating that they are managing the account for LVNV Funding LLC and has initiated a review of the inquiry. A few weeks later I receive another letter from Resurgent Capital Service dated as XX/XX/XXXX stating that the account has been review and attached is the documents, which was just a signed contract. 

I requested validation of the debt back in XX/XX/XXXX which is 3 months past the legal time they originally received my letter per the Federal Fair Credit Report Act 15 U.S.C. 1681 ( I ). The signed contract that was sent DOESNT show if any payments has been made, if there was any additional interest fees was added, any collections fees, etc. ONCE AGAIN MY RIGHTS HAS BEEN VIOLATED per both The FDCPA and The FCRA because the letter I received from your facility didnt give any true validation of the amount of debt being collected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
Well i have a vehicle finance through Credit acceptance and i have owned it for 1 year now and im looking to get something newer now because they approve me with such a low credit score at the time it was only opportunity i had they offered a bumper to bumper and drive warranty come to find it like a XXXX option that added i didi have any clue and the vehicle is approximately XXXX from being uncovered on warrantys. Just recently i have got 2 quotes on truck for a trade in and be getting turned away because of who the truck financed through and 1 dealer specifically sat me down and told me everything about what going on and how Credit acceptance Corp Finessed all there customers out of credit and vehicle cause i basically cant sell it, I still owe XXXX for a XXXX XXXX XXXX XXXXXXXX with XXXX miles.

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 2023-03-09
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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 Did not consent or authorize nor benefit from the following inquiries. Please block and remove the following from my credit report : XXXX. XXXXXXXX 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 2022-12-29
Company: EQUIFAX, INC.
State: MD
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 XXXX account number XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

XXXX Account XXXX has violated my rights XXXX XXXX XXXX  Account XXXX has violated my rights XXXXXXXX XXXX XXXX - Account number 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Several attempts have been made to remove non-mailable addresses and employment history off my credit report with TransUnion. Last spoke with an representative XX/XX/22. 
The only address to remain is my current address and current employment. To this date the information remains inaccurate. 

According to 15 USC 1681e 607 ( b ) Accuracy of Report ; and FCRA You have the right to dispute incomplete or inaccurate information ''. Inaccurate information must be removed immediately ; these are non-mailable and I no longer am employed with said companies.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 Account # XXXX ) has violated my rights! Also i would like this inaccurate public information removed ( XXXX  XXXX Bankruptcy Reference # XXXX ) and i made no credit application with these companies ( XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2018-05-11
Company: CITIBANK, N.A.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My credit came in at XXXX according to Citibank. 
Interest rates are based on the credit score, as low as 5.99 percent. 
5.99 is what they advertised, depending on the credit. My credit score is in the excellent rage, I should have received the lowest interest rate or very close to it at a XXXX. 
Citibank has given me an interest rate of 12.49. 
There has been several complaints with Citibank not upholding the 0.5 savings for automatic transfer. I called in and let them know the online process is not working to receive the 0.5 discount. I spoke on a recorded line with a man named XXXX around XXXX XXXX, date XX/XX/XXXX and was told several times ... the 0.5 savings will be applied if the online process does not work, just call soon as you get the loan. He also spoke of how this happens time and time again. I did call, and Citibank more than once told me the 0.5 savings will not be applied. 
When applying online it does not show people the interest rate they are approved for at anytime, it gives a range and states how a persons credit score will dictate the interest rate. So, people apply online and are approved for these loans and do not know the interest rate is. Once I got the check and called, I have/ had no problems returning the check, yet interest of a few days had already accumulated. 
There marketing strategy is going over the line by withholding the real interest rates and information, and by speaking with Citibank reps in the personal loan department, it is very typical for peoples banking information not to go through and therefore not get the .05 savings when they call in ... .. This also seems comes off as a strategy.

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 2023-01-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
In 2022 of XXXX I decided to review my credit report and noticed inaccurate information. I asked for the information to be removed and till this day nothing has been updated.

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 2022-01-12
Company: Experian Information Solutions Inc.
State: OK
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:
This is my third attempt on CFPB to get Experian to remove negative information that I disputed via certified mail on here and with the XXXX. Experian failed to co.plete their investigation in 30 days. They are continuing ignore me and leave the erroneous information on my consumer report. They are leaving me no choice but to take all my proof to court and seek my remedy as allowed by law. XXXX per violation, I will also be seeking legal fees along with defamation of character along with other offenses. If the cfpb can't help resolve the issues than who does a consumer have other than the courts? EXPERIAN is not above the law and I will not allow them to continue this behavior. I will not upload documents they received on here and via certified mail. They have it all already. It's been 44 days now and the investigation is not complete and they keep failing to follow the law and remove the disputed items. I have lost business funding totaling over {$250000.00} due to Experian violating my consumer rights knowingly and wilfully. I will seek to be my remedy in court

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