BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon reviewing the contents of my consumer report, I noticed that I C SYSTEM INC. and I C SYSTEMS COLLECTIONS have a negative account listed in the amount of {$550.00}. This company is in complete non-compliance of state and federal debt collection laws. This company had to notify me about certain things pertaining to this debt once it was acquired from the original creditor and before they reported it to the credit bureaus such as : the identity of the original creditor, an itemized accounting of the debt and if they don't have this information they can not comply with state and federal regulations therefore can not LEGALLY make attempts to collect the debt. I C Systems INC was also obligated to disclose the amount of the debt when the original creditor sent it to collections, the amount of interest accrued since the debt was sent to collections, the amount of fees and other charges added since the acquisition of the debt if any, a statement describing how the debt collector acquired the debt from the original creditor, and if applicable any payments made by the debtor since debt was sent into collection. On my consumer report it states that the debt was placed for collection in XX/XX/2022 but according to the payment history, the debt was placed for collection in XX/XX/2022 making the information provided to the CRA 's inaccurate. On my consumer report under " Type '' it states " XXXX XXXX ''. According to state and federal debt collection laws it is ILLEGAL for a debt collection agency to pretend as if they are attorneys in an attempt to intimidate the consumer into paying the debt. 
Furthermore, this company did not CONSPICUOUSLY disclose on the statute of limitations regarding this debt. I C Solutions INC has an obligation to be aware of the statute of limitations of any debt they attempt to collect on. I was not notified that the statute of limitations expired, I was not notified that it is a violation of the FDCPA to sue to collect a debt for which the statute of limitations expired, I was not notified that I do not have to admit to owing the debt or give up rights regarding the statute of limitations, I was not notified that if I admit to owing the debt or promise to pay the debt, the statute of limitations will restart. 
I have received NONE of the information listed above, had I not pulled my credit reports from the credit bureaus I would have had NO KNOWLEDGE whatsoever that this debt even existed. I am accepting no other action but a DELETION of this erroneous information off of my consumer report. These deceptive collection practices have caused harm to my reputation as a consumer, and I request that the CFPB upholds the law and grant me the swift justice I deserve.

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 2023-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, the Capital One Branch in XXXX XXXX NY inappropriately restricted access to our funds. We requested a cashier 's check during normal business hours and were told that they were out of checks. Subsequently, we were told that they had the cashier 's checks, but they were locked in a vault and nobody on duty could access them. We asked instead for a wire transaction to be processed, but were informed that the dollar amount we requested exceeded their wire limits and that they would only wire 1/3 of our requested amount. The bank 's suggested driving to their XXXX NYbranch at rush hour, 15 minutes away with no traffic. This was completely out of our way and with rush hour traffic there was no guarantee that we would have made it to the location prior to it closing. As such, our transaction is delayed, resulting in undue burden on the parties involved. Spoke with Branch Manager who did not understand the inconvenience it caused and proposed no practical solutions to resolve the problem other than to delay our transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  AND XXXX XXXX  HAS INFORMATION THAT DOES NOT BELONG TO ME REPORTING ON MY PERSONAL CREDIT REPORT. I REQUESTED THEY UPDATE OR REMOVE THE INFORMATION BUT THEY REFUSE TO DO SO.

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 2023-06-23
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: Account status incorrect

Complaint:
There is an auto loan on my account that was with XXXX XXXX XXXX XXXX. It was included in my now discharged XXXX XXXX bankruptcy, surrendered to a third party, my ex husband. XXXX XXXX XXXX XXXX did not file a reaffirmation agreement with the court. The ex husband made a separate agreement with XXXX XXXX XXXX XXXX to pay off the vehicle and has been paying it, in fact paying it off this month. XXXX XXXX XXXX XXXX continues to reflect this negative reporting on my credit, I have disputed with XXXX 4 times and XXXX XXXX XXXX XXXX 1 time. I have also an open dispute with Equifax as it appears they reported it accurately in XXXX but XXXX XXXX XXXX XXXX reported it again negatively in XXXX. It is shown accurately on XXXX reporting " included in bankruptcy ''. I will continue to fight this until the two credit bureaus show it accurately as " included in bankruptcy '' as XXXX XXXX XXXX XXXX is being deceptive and lying in that they have a separate payment arrangement made with my ex husband, that has nothing to do with me as surrendered the vehicle in 2017. This is wrong, and it is damaging to my credit reporting preventing me from being able to obtain financing on a new home. As a single hard working mom, I will always fight for what is right to defend my home, my son and our livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/2023 we had a frozen pipe burst causing damage to our home. Filed a claim with XXXX XXXX. They were very slow in their response but by the end of XXXX the water and asbestos restoration were complete and billed. XXXX XXXX  XXXX of XXXX, CO is owed {$44000.00} and The XXXX XXXX is owed {$27000.00} of XXXX, CO. 
Fast forward a few months and XXXX XXXX is holding funds intended to pay the restoration companies and will not release them for payment. I have a lien on my home from the companies. All documentation XXXX XXXX has requested has been submitted. I call on a weekly basis and am told the same information ... " an exception has been submitted to release funds '' or " a request has been made to release funds ''. I get no where. I need help. Someone to get their attention and do something.

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 2021-01-12
Company: CAVALRY INVESTMENTS, LLC
State: FL
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:
On XX/XX/XXXX I did a consumer credit transaction with XXXX. The total amount of the transaction was for {$3300.00}. A few weeks after the initial transaction I received a bill requesting that a payment be made. Moving forward this alleged debt was sold to Cavalry XXXX XXXX. On XX/XX/XXXX I received a communication by mail from an attorney 's office hired by Cavalry who goes by the name of XXXX XXXX XXXX, XXXX. Months later, I discovered that there was a court case opened by Cavalry SPV, LLC and XXXX, XXXX and it's attorney XXXX XXXX XXXX. The case was filed on XX/XX/XXXX and was never served or notified of this action which is illegal and required by law that anyone being sued must be served with a court order. After discovering this lawsuit, I communicated with attorney XXXX XXXX XXXX via mail and sent them over documents stating that they are in violation of the Fair Debt Collection Practices Act, 15 USC 1692 and the Fair Credit Reporting Act, 15 USC 1681. Cavalry received these documents on XXXX at XXXXXXXX XXXX. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The bank that my husband owned they trying to make me pay for it because I was just a card holder never signed anything the wouldnt even give me credit and the reason the trying to make me pay cause my husband passed away in XXXX of this year it Care credit Synchrony Bank

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 2023-11-10
Company: LoanCare, LLC
State: NV
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:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : LOANCARE SERVICING C XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX : XXXX XXXX # XXXX I am writing to inform you that I am disputing the account being reported by your company on my credit reports due to potential inaccuracies and lack of completeness. I previously disputed this account with the credit reporting bureaus, but it was reported as verified and accurate. However, it is important to acknowledge that disputes are often handled using software, such as e-Oscar, which may lead to mistakes and limitations in conducting a thorough investigation of records. As the furnisher of information, I am directly disputing the following details with you and requesting that you conduct an investigation in accordance with the FCRA Section 623 as outlined under FACTA 312. This provision grants me the right to request a reasonable investigation of the information being reported to the credit bureaus. Should you be unable to perform a reasonable investigation or locate the necessary documents to address my dispute ( s ), the FCRA mandates that you remove the negative information from my credit reports. This may also entail the complete removal of the account. Moreover, in accordance with FCRA requirements, it is essential that this erroneous information is permanently blocked from any future re-reporting attempts by your company or any associated entities. If you have indeed conducted a proper investigation of the records for this account and have determined that the reported information is accurate and complete, kindly provide me with an explanation of the methods employed during the investigation and a detailed description of the records reviewed. I would appreciate receiving a copy of this information to conduct my independent investigation to verify the accuracy of your records and confirm the completion of a reasonable investigation. Additionally, I kindly request a copy of the XXXX that was issued. Please note that I have initiated this communication voluntarily, and any future correspondence regarding this dispute should be directed to the address provided above. This letter serves as an effort to rectify any false or misleading information currently being reported on my credit reports and to ensure the accuracy of your records. Thank you for your prompt attention to this matter. XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: ENOVA INTERNATIONAL, INC.
State: CA
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:
I have disputed this tradeline with Netcredit several times and they keep reporting misleading and inaccurate information on my credit report. They are not complying with the FCRA and are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Each time I call this company I am advised that the issue will be corrected and it never does. I called the company regarding an error in their billing system where I had made a debit card payment and it never was applied to the account. After numerous calls they finally posted payment to the account but in the mean time the account was flagged as lat which is not correct. This company has violated Fair Credit Reporting Act by reporting inaccurate information. I was in the process of purchasing a home was denied due to the erroneous mistake of this company. I filed a complaint with the XXXX. I contacted them on XX/XX/2022 and I requested a manager and a lead name XXXX called me back and stated it was an error because I changed my payment date the system was apply 2 payments to the month of XXXX and it will be corrected and will make the correction on my credit report. Fast forward today all my reports are reporting inaccurate payment history and different payment history. According to the FCRA the creditor must report complete and accurate information to each bureau and therefore this company violated this act by report different payment history to each bureau. Im not making payments for this company to destroy my credit.

Account Number for Bureaus : 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 2023-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I can receive several phone calls a day. 

The employee states, " You are not liable for this debt, and it is not on your credit report. 
Making a payment will make you liable again. Would like to make a {$39.00} payment on this debt? '' I do not know who is actually is actually calling me. It is a different phone number every occasion. I use the XXXX XXXX XXXX to report the harassing phone calls, but they continue. The caller ID states, " Portfolio Recovery, '' but I doub that name means anything at all. 

I don't ever want called several times a day on Sunday for a debt I am no longer liable for. It is offensive to my religious dignity to receive these calls while I worship God. The synagogue of XXXX loves contacting me repeatedly on Sunday and do not engage in this activity any other day of the week in such harassing way. 

My number is on the State of Florida of which I am a resident, and the Federal Do Not Call List. 

There is nothing I can do but be a victim of these harassing phone calls while I commune with God.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
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:
I have filed numerous disputes with Equifax, XXXX and XXXX and they have failed to provide me relief. 

I have no agreement with these companies, I have never signed an agreement with the above creditors XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. They have purchased an alleged debt without me being involved in the transaction. I have created a duplicate account. I am a natural person XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX and XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. 


Pursuant to 15 U.S. Code 1692e.False or misleading representations US Code 1692 notes that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX all have filed profit and loss statements pursuant to the IRS they should have administered a 1099-C. Which in turn means they were paid for the alleged debt. When did credit reporting agencies start reporting income? 


I have no agreement with these companies, I have never signed an agreement with the above creditors XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. They have purchased an alleged debt without me being involved in the transaction. I have created a duplicate account. I am a natural person XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX I The reporting of these accounts are also violations of 15 XXXX XXXX XXXX The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

Pub. Res., No. 10 Requiring payment in gold/coin/currency against public policy and shall be discharged, XXXX XXXX eliminates ability to pay debts and allow discharge, 31 USC 3123g Ovt obligated XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Diversified Consultants, 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:
There is a collection account on my credit report by the name of DIVERSIFIED CONSULTANTS showing a past due charge for {$1100.00}. After researching it a bit, I found that this name is associated by many other people to fraudulent charges for phone lines they never had or had already paid off and/or closed. It's stated as opened on XX/XX/2015 and is apparently related to a XXXX account, a phone service neither me or any of my immediate family has used recently or at any point to my knowledge. It came to my attention recently because, believing I had no credit at all, I applied for a savings account with XXXX XXXX XXXX and was made aware of the charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2021-12-22
Company: Aargon Agency, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt with XXXX XXXX XXXX, XXXX that was paid in full on XX/XX/XXXX. I received a letter from XXXX on XX/XX/XXXX showing that this amount was paid in full. I am now receiving calls from Aargon Agency stating that they have my debt. They are providing me with the exact same balance as well as account number from XXXX. I submitted my letter showing that it was paid in full and they are refusing to honor that letter by stating that it was a different creditor, even though the account number and balance are identical. I have contacted both XXXX and Aargon in regards to this matter and neither are willing to fix the problem.

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