BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I got a call from XXXX XXXX XXXX about debt elimination. I spoke to a XXXX XXXX who was the Financial Educator. I only spoke to her twice. The other times have been to XXXX XXXX with the same title. the phone number and address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, website : XXXX Phone number : XXXX. I had a Capital One, XXXX and XXXX XXXX XXXX XXXX XXXX. I owed XXXX and Capital One nothing. this started in XXXX, XXXX. I owed a lot of money to XXXX like {$10000.00}. I was told not to use these three credit cards nor speak to any lenders or make payments to these companies. Disregard all statements and letters regarding enrolled accounts unless it is from a. Collection Agency without XXXX or XXXX. Disregard any phone calls regarding debt elimination, debt relief and debt consolidation. I did just that and signed a statement. 
I made calls throughout this process. On XX/XX/XXXX I was told that I was XXXX XXXX through the process. On XX/XX/XXXX I was told it takes 4-5 months for banks to offer to settle but not to accept. I was told that I was in Phase 4. XXXX, XXXX I received a collection letter for Capital One. XXXX, XXXX I called to get an update. Phone answer is a recording to leave name and number and they will call back. XX/XX/XXXX I was told that they started working on getting inquiries off of my credit report to improve my score. XX/XX/XXXX no response. Nothing changed on credit report that I am aware of. I called XXXX to followup and got no answer just the recording. 
Until XXXX XXXX XXXX I noticed and enrollment fee and Descriptor of {$3400.00}. That is the amount charged on XXXX XXXX card. I am paying on it. 
They claimed to be a credit restoration company. I should have checked with XXXX. I was in a state of panic and still am. 
Please HELP me. Ihave XXXX XXXX XXXX  Reponse is Click here to inquire or call XXXX at XXXX or XXXX. I have. the first number XXXX XXXX comes up and says check number ane the other just disconnects. 
I don't know where to turn for help on this SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: PNC Bank N.A.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My full name is XXXX XXXX XXXX PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have a shareholder with each XXXX this bill had been paid off since XX/XX/2022 I want this entire bill paid off thru insurance or paid by cash in check from XXXX of these corporation and banks under my electrician sign XXXX XXXX XXXX PNC Bank an check issued out for payment and please confirm by email XXXX documents legal services proof that the bank has to full payment to o an to this full debt order number for payment XXXX if any other XXXX last ending social security XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 explanation
Consumer complaint received 2021-06-15
Company: SUNRISE CREDIT SERVICES, INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX, XXXX I received a call from Sunset credit services. Violating the Fair debt collection practices Act & Fcra. They have committed 4 individual actions ( violations ). 15 usc 1692b ( 2 ) was violated 2 times. 15 usc 1682d ( 2 ) was violated. 15 usc 1692c ( 1 ) was violated. I do not owe any debt. 15 usc 1692k you are liable for damages. this allege debt is unverified/inaccurate. Also violates the Fair credit reporting act. I do not owe any debt.

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 2023-11-01
Company: Resurgent Capital Services L.P.
State: NY
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:
XXXX XXXX - XXXX ; keeps trying to charge me XXXXXXXX XXXX and i have disputed it on XXXX many times as identity theft. Also Webbank/Freshstart keeps trying to charge XXXX XXXX and I have disputed many times as identity theft. As well as hard inquiries on my transunion due to identity theft ; as following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . On my XXXX I have derogatory marks which include LVNV FUNDING LLC for XXXX XXXX which is due to identity theft and I have tried to report it many times but does not let me ; also hard inquiries on XXXX I have reported many times and they do not remove them which are : XXXX and also XXXX XXXX XXXX XXXXXXXX All of these are affecting my 3 credit bureaus without my knowledge. Lots of hard inquiries on all of them and delicuent accounts. I am victim of identity theft, during covid in XX/XX/2020 My license, social security card and debit cards and XXXX $ were stolen at a car rental ( XXXX XXXX XXXX ) i also made police report and the police saw on camera where someone with a mask picked up my wallet and left the scene. Ever since then i have been having to deal with the extreme unwavering stressful situations and need help. Also according to XXXX most of these debt collectors if not all, have no license or registration to collect or do business in the State of New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Netspend Corporation
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am noticing I have an account and there's money being transferred I don't know where it's been transferred to it's being transferred to

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 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$260.00}, XXXX XXXX Balance : {$940.00}, XXXX XXXX Balance : {$460.00}, XXXX XXXX Balance : {$540.00}, XXXX XXXX Balance : {$200.00}

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 2018-11-05
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Receivables Performance Management continues to violate federal consumer law. 

Receivables Performance Management deleted a inaccurate account from my credit report and then re entered the account back on to my XXXX credit report. As I have stated before, I have no idea who Receivable Performance Management is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Receivable Performance Management is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018.Also, they are reporting that I have a balance with them as of XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Receivable Performance Managementas third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ Receivables Performance Management XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C.

9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to Receivable Performance Management, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

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 2017-03-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an account with XXXX that became 180 days delinquent in XX/XX/XXXX. The account was never brought current and reported negatively on my credit report until the account was sold in XX/XX/XXXX. According to the FCRA 623 ( a ) ( 5 ), this account should be removed from my credit report. It has been re-aged by the original creditor to reflect a different date of default The account has been aged more than seven years from the original date of delinquency and should be removed from my credit report.. I have supplied a copy of my credit report from XX/XX/XXXX showing the original status of the loan, prior to it being transferred to another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$260.00}, XXXX XXXX Balance : {$940.00}, XXXX XXXX Balance : {$460.00}, XXXX XXXX Balance : {$540.00}, XXXX XXXX Balance : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I set up auto pay through my financial institution to pay this company monthly. There have been several payments made electronically with no issue. Now all of a sudden they can not locate my XX/XX/XXXX payment that was due on XX/XX/2017. I started to receive several phone calls from this company regarding this issue. I explained to the representatives that the bill was paid and verified through my online banking and they continued to tell me that i was wrong and the payment has not been received. The representatives continued to blame everyone from my bank, to the post office as well as myself for even having to borrow a sum of money. Since this company is a 3rd party lender, i contacted the parent company XXXX, regarding this issue. After filing a complaint with XXXX, a manager, XXXX XXXX, that represents the company called me regarding this issue. I took this opportunity to call my financial institution that paid this company and had them on the phone at the same time. My bank had sent the lender a rolling bank statement via fax showing that the payment was made on XX/XX/2017 at XXXX ET and that the payment was accepted. My financial institution told XXXX XXXX that they needed a statement on their company letterhead stating that the payment was not received on the date and time the statement states the payment was made. XXXX XXXX did not seem to understand why she needed to do that and stated that she had to run it by the " lawyers '' which seemed very odd and concerning. XXXX XXXX did not seem to agree with the fact that she had to dig a little deeper into the issue seeing as how her company is alleging that the payment was n't made and disputing the issue. I did EVERYTHING i needed to and also went above and beyond considering that all my information states the bill has been paid. XXXX XXXX was also given direct contacts along with their phone numbers, e-mails and rolling bank statements. It is not my fault that this company can not keep track of the payments that are received. I set this bill up for auto pay so i would not have this issue. i have also made several attempts to contact a representative from this company, along with leaving XXXX XXXX several voice mails requesting an update regarding this issue with no response. Also this company has several reviews online with similar issues. Something needs to be done regarding this company. Many issues have been reported online very similar to the issue that i am having.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof that the you used to allegedly verify this item was invalid. 

Item in question : Chapter XXXX bankruptcy Case XXXX I have previously sent you that your process was not valid due to me going directly to the company and them not being able to verify the item. You replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I am filing a formal complaint with CFPB against you and your company since this bankruptcy was not deleted from my credit report. 

Additionally, XXXX has publish documentation on their website confirming that they provide your company, Transunion, with bankruptcy case information and you use them to verify information regarding bankruptcy cases. XXXX XXXX has not been able to verify the accuracy of the bankruptcy and has removed the item from my file.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: Collection Bureau of America Ltd.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX - I returned a water cooler dispenser and was promised a {$200.00} credit by the collection agency Collection Bureau XXXX XXXX ( see email on XX/XX/XXXX ) if it was returned. XXXX XXXX ( XXXX  ) who owned the equipment and was the original creditor picked it up I have sent emails to XXXX XXXX and then they tell me to contact to Collection Agency. I am getting the run-around and have yet to see the credit promised

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The XXXX XXXX XXXX XXXX account information is inconsistent across the credit bureaus. This inconsistency and inaccuracy are harmful to my family and my livelihood as we are trying to purchase a home.

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 2019-10-14
Company: PNC Bank N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My wife and I sent a letter to the mortgage company ( PNC Mortgage ) dated on XX/XX/XXXX, sent via United States Priority Mail asking the mortgage company to correct the problem. We received a letter dated on XX/XX/XXXX, stating that we were still obligated to the loan. 
My wife and I were not borrowers in the loan modification that was filed in XXXX, but my son was the only borrower on the loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a Notice of Insufficient funds. The statement has a right address of mine but the account information belongs to another customer " XXXX XXXX ''. I called the US bank to fix the issue but they simply asked to returned the statement. They were in no mood to investigate further if this is a systemic issue and more prevalent. 

I am worried my transaction information is accidentally being sent to other customer, just like i received the information of XXXX XXXX. 

I want Bank to make an investigation into the matter and inform me of the outcome.

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 2023-12-20
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX. has committed multiple federal violations of my consumer rights. I was never contacted or notified about any alleged debt and I was also improperly served on the date of XX/XX/2023 Title 15 U.S.C. 1692g ( c ). 
XXXX XXXX. moved forward with legal suit against me XX/XX/2023, without disclosing the fact that I am able to dispute any alleged debt ( Title 15 U.S.C. 1692e ( 2 ) ( A ) and ( B ), Title 15 U.S.C. 1692g ( C ) & ( d ), Title 15 U.S.C. 1692e ( 4 ) & ( 14 ). XXXX XXXX. hiring debt collectors for this alleged debt also violates Title 15 U.S.C. 1692j ( a ).

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