BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-21
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid off credit card and closed company XXXX XXXX XX/XX/XXXX On XX/XX/XXXX lvnv funding  reported on my credit debt owed by original creditor XXXX  XXXX. 

This is a fraudulent attempt to collect a dept not owed. Disputed with credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX INQUIRIES XXXX XXXX Inquiry Date XXXX and XXXX XXXX Inquiry Date XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: RICHLAND HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I sent the debt collector a letter, requesting that the send me a statement with the current amount due, and a monthly statement thereafter requesting payment. The request for a monthly statement was expressly made because of cognitive challenges I have and I may not remember to make the payment if I do not receive a bill. They have not responded to my letter at all. Further, I previously requested to negotiate a settlement of the debt and they refused to consider any settlement, saying that my bill was considered by my insurer in my deductible and could not be now negotiated or reduced. That's outrageous. That's like saying I received a benefit from my treatment and I can not now negotiate or reduce the payment. Ultimately, I would like to negotiate a reduced settlement and make this go away. But at a minimum, I need them to communicate as requested.

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 2020-11-20
Company: EQUIFAX, INC.
State: TN
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:
XXXX should not be reporting to Equifax and XXXX  an outstanding balance in the amount of {$5300.00} as well as reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of the letter from XXXX dated XX/XX/2018 showing this account has been paid in full. I have also attached as additional proof that this account is paid in full, a copy of my title to the vehicle. This false reporting of a balance due and lates is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: GA
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 # 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 non-monetary relief
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The reason for my writing today, is that Capital One is being unreasonable, I have noticed that they are reporting a late payment around XX/XX/XXXX of my cap one/XXXX account. I opened this account on XX/XX/XXXX and have had an outstanding reputation in as far as paying my credit obligation is concerned. capital one representative told me they make goodwill adjustments for medical issues but when I called the executive resolutions they flatly refused I've always paid above the minimum on all my Capital One accounts including my credit cards. Sometimes even 3x more than the minimum which I did many times before the stated late payment occurred. Were it not for the, hospitalization issue I had during the XX/XX/XXXX billing cycle, I would have cleared my {$25.00} fees that was due as I usually did, and maintained my 100 % record. capital one representative told me they make goodwill adjustments for medical issues but when I called the executive resolutions they flatly refused I request the late payment be removed from my payment history as it is adversely affecting my well- being as a US citizen. Please, remove the late payment history of this Retail credit card account. : CAPITAL ONE / XXXX Account Number : XXXX So please resolve this thing permanently and get back to me once you have, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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:
I sent a letter to TransUnion dated XX/XX/2021 requesting the accounts showing on my credit report for XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, and XXXX XXXX be validated or removed from my credit report. The items continued to report the following month after TransUnion 's 30 day investigation. I sent another letter dated XX/XX/2021 requesting verifiable proof of the accounts that were showing on my credit report for the accounts listed as XXXX XXXX, XXXX  XXXX, XXXX/XXXX, XXXX XXXX, and XXXX XXXX. In the letter dated XX/XX/2021 I also requested the original contract with my signature be provided to me to show I am responsible for these alleged debts as I am entitled to receive according to the FCRA under Section 609. As of today, XX/XX/2021, I have not received anything in writing to show verifiable proof that I am responsible for the accounts showing for XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, and XXXX XXXX on my credit report. Without proof and my signature to show I am responsible for these alleged debts, TransUnion is allowing anyone to furnish them with information stating it is about me and alleging to be my debt. TransUnion has violated my consumer rights by reporting this unverifiable information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Aargon Agency, Inc.
State: PA
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 have disputed this account because it is INACCURATE. I received a letter from Aargon stating that they received my FRAUD DISPUTE. I did not say the account was fraud, I stated that the information that they sent was inaccurate, incomplete, unverified, and illegal. I disputed this account here last month, and you assisted me greatly, however, the stall tactics that are being used against me are unacceptable, please help me!

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 2023-06-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: FISERV INC.
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 an unauthorized transaction was made from my account to another personal account and the amount of this one was of XXXX XXXX XXXX XXXX dollars. There is no other person authorized to carry out transactions from this account and as of today, I only have a debit card which was suggested to apply for it again by the same company to avoid any fraud or loss of additional money. As a customer, I think that in some way or another a password could have been leaked since the email account is linked to this bank account and since the day it all happened I have received countless emails to which I have never subscribed. Concerned about the situation, I directed myself to the company and one of their representatives suggested that I fill out a customer dispute form which was sent by mail and the postal mail from XXXX XXXX has been overworked because of the pandemic, but since I only had ten days to send the dispute, they also recommended that I download it directly from the website. I proceeded to download the dispute form and filled it by hand and send it via fax ( XXXX ) as the email did not allow me to send a document that was larger than 10mb. Then, I contacted one of their representatives to confirm that the fax had arrived and they gave me assurance that it had arrived. They told me to give it 1-2 days in which it was verified and when I contacted me again they told me that the dispute had not gone in my favor since the other financial institution had received the money. After all this, about two days later, I received an official letter in which it said that no error had occurred and that my case was denied and closed. I contacted one of her representatives and I asked her if I could take this to the court and she informed me that as a client I have all the right and she also told me that i could call the next day so I can speak with the accounts department so they could give me information about the other financial institution that received the money so I could called them and ask a reimbursement of the money.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: NY
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:
My social security number is XXXX On my experian credit report theirs is 2 negative items the other items is 60 days past due it supposed to be removed from my experian credit report I filed a federal trade commission identity theft report on file account number is XXXX its a loan also the credit collection account supposed to be removed too

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 2023-06-06
Company: EQUIFAX, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There was a charge of {$8.00} to my Discover credit card on XX/XX/XXXX from XXXX, then another charge on XX/XX/XXXX for {$290.00}. Between XX/XX/XXXX and XXXX there was a delivery to my home of a plain unmarked small box from a Fulfillment center in XXXX XXXX I opened the box to see what was inside XXXX XXXX and some XXXX XXXX, still unopened. 

I recognized the XXXX charges from XXXX  were fraudulent because we do not smoke, we have never ordered any smoking materials from any source, we did not solicit the box that was delivered. I disputed both charges with Discover on XX/XX/XXXX. Discover found in my favor for the {$8.00} and found the {$290.00} was valid because XXXX provided proof of a delivery to my address. I cancelled that credit card number because it was obvious that someone was fraudulently using that card, and Discover issued a new credit card to us. The credit card company advised that I should contact XXXX to resolve the {$290.00} myself. 

I contacted XXXX in late XXXX and was advised the XXXX transactions originated with an affiliated company XXXX XXXX, and forwarded my call to XXXX XXXX. XXXX XXXX ' representative acknowledged to me that the transaction for {$290.00} was delivered to a different address than mine. The {$290.00} was for XXXX XXXX XXXX XXXX XXXX ; the box containing XXXX XXXX delivered to my address was a promotional item. XXXX XXXX ' representative advised that their customer account with my name, credit card information, and address was then closed based on the information that I furnished to them. 

The information obtained from XXXX XXXX indicates that the proof of delivery to my address that was submitted by XXXX to Discover for the {$290.00} transaction was delivery of the {$8.00} promotional box, and therefore Discover should reverse their decision on the {$290.00} transaction and credit my account. Discover stated that I must submit new documentation to reopen the dispute. 

I contacted XXXX XXXX again and asked them to send an email confirming that the {$290.00} transaction was for a delivery to a different address, and they sent that email on XX/XX/XXXX. I uploaded that email but Discover will not reverse the {$290.00} charge to my account. 

The end result is that an unknown party has stolen XXXX boxes of cigars and I am paying for it ; Discover is facilitating this theft by not performing adequate research into this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-30
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:
In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last actives inaccurate, and date last reported is not accurate.this is ground for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time. Also, the information you provided on the accounts has doubts about their accuracy and the reported payment history on accounts are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the accounts be removed in my file. 
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 explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE 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 Credit Reporting Act Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last actives inaccurate, and date last reported is not accurate.this is ground for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Account 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 2021-07-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I opened a credit card through you guys and got approved for a limit of {$5000.00} and I couldnt have used any more than XXXX and Ive been getting emails on emails on saying my payments are late and when I checked I seen it was overdrawn past the XXXX and I had lost my card a while back due to the fact that I lost my wallet and didnt think about my credit card until I started to add up the pieces and then checked the statements and saw soooooo many different transactions that were not done on my behalf and they were all made within the same area that Im located in and Im stressing out due to the fact that I still should have had like XXXX available credit and I have a whopping XXXX $ overdrawn on the account and I wan na see how you guys may be able to assist me on getting my funds back or maybe adding a higher limit? but I do wan na get this taken care of as soon as possible cuz I reallyyyyyyy could use those funds to make my car payment which Im currently late on my payment

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