BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was the original owner of the account and had my ex spouse on the account as well I closed it out turned in my device and paid a termination fee of over XXXX this was back in XXXX over 7 years ago I informed my ex to turn his device in even though it was paid off but XXXX insisted they wanted it back. I have had no communication with him since and was barely informed 2 years ago the device was never sent XXXX sold the debt to AFNI who keeps reselling it back to itself every other month and keep decreasing my score even after j try and dispute it every which way because the debt belongs to my ex for not giving his half back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
There are duplicate accounts reflected on all three credit reporting agencies, balance history inaccurate dated XXXX, XXXX, XXXX of 2020. They have also submitted a new account, that is okay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello. 
This debt collector did not provide me with proper depth validation for this allege debt. Please delete this from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXXT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-11-09
Company: EQUIFAX, 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 am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. Please fix the accounts : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/17 {$1800.00} placed for collection Coi original creditor 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 2023-06-07
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
settled and continued payments with the court but this company keeps sending me letters about default, harrassment and rude when I call them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29
Company: Radius Global Solutions LLC
State: MS
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
When they call me I try to explain to them that I do n't work and how can I pay or send money when a person not working and no income.

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 2018-10-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I have a a unverified account from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, This company has sent out a UDF form please update and delete.XXXX  XXXX XXXX XXXX # XXXX, This account is a duplicate please delete XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. I have filed several complaints witout any responses it has been past 30 days. I need all 4 accounts deleted asap.

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 2022-11-09
Company: CAVALRY INVESTMENTS, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I recently requested that the office of Cavalry portfolio Service provide me with competent evidence that I have a legal obligation to pay this company. They were unable to validate said account and I have sent two written request asking for the negative marks on my credit report taken off as for they are reporting to the 3 major Credits bureau 's this action is constitute fraud under both Federal and State Law and they violated the Fair credit reporting act. they violated the fair debt collection practice act in addition to defamation of character.

This company is still in violation of harassment once a written request that no telephone contact be made by the company or the office attempt to telephone commutation with me. Company also failed to provide license number and registered agent or agent of service. a long with a license to collect in the state of which I reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: MOHELA
State: OR
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:
I requested my student loan payments made during the XXXX payment pause to be refunded on XX/XX/XXXX. I was told by the MOHELA agent that the entire balance I had paid during forbearance would be refunded within 30-90 days from the request date. I requested clarification on that time and they confirmed I should have the entire balance returned to me by XX/XX/XXXX. -- My loan was transferred from XXXX to MOHELA during the payment pause. I paid {$4200.00} to XXXX ( XX/XX/XXXX- XXXX XXXX XXXX  monthly payments of {$200.00} each ) and {$1600.00} to MOHELA ( XXXX - XX/XX/XXXXXXXX XXXX monthly payments of {$200.00} each ). The balance I paid directly to MOHELA was restored on XX/XX/XXXX and direct-deposited back into my account. However, the balance I had paid to XXXX and which was transferred to MOHELA remains pending after 105 days. -- When I have called MOHELA to request updates on the progress of the refund, I keep being told later and later dates that the refund will be processed by. Rather than the end of XXXX, MOHELA are now estimating I will not receive my refund until XXXX or XXXX next year! This is an absurdly long time to process a refund, and it feels like they are just keeping my money without proper communication or any accountability. I could be collecting interest on that amount in a savings account or paying off other private loans, and instead they are just pushing back the goalpost on their obligations and causing me undue financial pressure and anxiety. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Upgrade, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX XXXX, 2022 my husband and I became aware that someone applied for two loans in our names from Upgrade.com and deposited the proceeds into our personal checking account. We contacted the company that day to inform them this was not us and we had become the victim of identity theft ; also filed a police report. Two loans were obtained - {$12000.00} & {$13000.00}. The proceeds for the loan of {$12000.00} were fully deposited into our checking account. The loan for {$13000.00} was split ; {$6500.00} was deposited into our checking account while {$5000.00} was used to payoff a XXXX credit card and {$1000.00} was used to payoff another credit card - neither of which belong to me. We were requested to supply Upgrade w/copies of our color photo Government issued ID, police report and copies of two months of bank statements as part of their investigation. We complied with their requests. After numerous phone calls, emails and endless conversations that have gotten us nowhere, we're asking for resolution regarding this matter. We want to return the funds that are still in our checking account, not be held liable for the funds that were used to payoff credit cards belonging to another individual, and have the account completely removed from our credit report. 

Unfortunately the lender has not cooperated after numerous requests to speak with somoeone in the fraud department to discuss this ongoing investigation. They have told us they will not resolve the investigation until the money is returned. Having been the victim of identity theft, I am very apprehensive to return funds without knowing that I will not be held responsible for a debt that I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I have many credit cards never had late fees. I pay my bills ahead of time using bill pay. I applied and received 3 cards from commenity bank. I kept getting hit with late fees from day one, checks sent from my bank bill pay taking 15 to 16 days to post. Always, after the due date. I have been using this bill pay forever to pay other bank cards. It has never taken this long. On another one of their cards the payment was electronic and they hit me with a late charge for my XXXX statement. My bank was able to track the electronic payment and advised me that they had received the payment 4 days prior and were holding the funds instead of posting the payment. This was 4 days prior to the due date and had not posted it. The bank did reverse the {$29.00} fee and offered no explanation. I have closed the cards because I feel this is a scam and a way for this bank to fraudulently make money. The last late fees were on XX/XX/23 from Commenity XXXX for {$26.00} late fee and {$2.00} interest. XXXX Ulta had a charge of {$36.00} late fee on XX/XX/23 and interest of {$2.00}. No explanation was given on why it takes 16 days for a check to post. I explained that I can not pay the bill before it is generated. One of the employees told me that she hears the same story all the time from other customers. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14
Company: EQUIFAX, 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:
Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Student loans were consolidated and transferred from XXXX to MOHELA with a completion date of XX/XX/22. 
Public student loan forgiveness tracking is still not updated. 
Spoken on the phone and with multiple representatives through the MOHELA chat feature and receive different information each time. 
It has been over 90 days since the transfer was complete and today I was told by a representative that I need to wait up to another 90 days for my payment tracker to be updated for a potential total of over 180 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Bread Financial Holdings, 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Receivables Performance Management, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDITOR INFO RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX, WA XXXX ACCOUNT TYPE Collection Account DATE OPENED XX/XX/2019 BALANCE {$120.00} ORIGINAL CREDITOR XXXX XXXX This debt isnt mine. Ive never had a XXXX account and Im right here in the middle of purchasing/looking for me and my XXXX children our first 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 explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, I want to start by informing you that Im a federally protected consumer, and I am making this complaint against LVNV Funding, LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never in life given this company any consent to be in ANY type of possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is in FACT a billing error. Please provide me with documentary evidence of the obligors indebtedness.

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce me into making some sort of payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LVNV Funding, LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding, LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding, LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 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