BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-27
Company: Sequium Asset Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 i paid XXXX XXXX {$310.00} and they said they would remove from my credit within 30 days. Sequium Asset Solutions has the account. On XX/XX/2020 the account shows paid but is still on my credit report when they said they will delete for payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Equifax has dropped my credit score XXXX points! The recent changes are as follows : 1. Missed payment removed 2. Balance decrease by {$390.00} 3.Balance decrease by {$35.00} 4. Balance decrease by {$38.00} 5. Balance decrease by {$90.00} 6. Balance decrease by {$4.00} 7. Balance increase by {$53.00} I have print screens that show MANY account Balances are ZERO as of today ( in face decreased by nearly {$1500.00} in just the last few days.

Equifax is going the WRONG DIRECTION. Decreasing money owed would RAISE my credit score, not drop it! I had disputed the previous balances when they were almost all ZERO yet Equifax is not doing the correct thing. 

If I could upload Files I could show how my balances have dropped!!! 

In addition a new credit card is not appearing ( this is the XXXX ( not the XXXX ) XXXX XXXX XXXX  Please add it asap!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: American Financial Resources, 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: Problem with personal statement of dispute

Complaint:
I filled out forbearance paperwork with American Financial ResourcesXX/XX/XXXX due to COVID-19. XX/XX/XXXX at XXXX in a recorded conversation I was told that my account was in Forbearance and that they would switch my Forbearance to COVI-19 Cares Act program. XX/XX/XXXX XXXX, I called and spoke with a manager that confirmed I was on the Cares Act plan even though I received a letter stating they were going to report it to my credit. XX/XX/XXXX XXXX, I spoke with a manager after it was reported to my credit and they confirmed it was a mistake and removed it from my credit. XX/XX/XXXX XXXX, I spoke with another manager and  stated that they need to remove it form my wife 's credit as well because we are both on the loan and he agreed. XX/XX/XXXX XXXX, I spoke with a manager to find out why it was put back on my credit and why it was reporting late. The manager realized they made a mistake and never properly switched me over to the COVID-19 plan and I was still on a regular forbearance plan. Manager stated that he would correct the error. The error since has not been corrected as I've had multiple conversations with American Financial Resources supervisors and managers. It is still reporting negative on both our credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I locked my credit using Equifax Lock and Alert last year after I was alerted that my email address and phone number were compromised. To do this I had to provide my SSN, address, phone number, etc. I did not have to provide any documentation. On Saturday XX/XX/2020, XX/XX/2020, and XX/XX/2020 I logged into my account ( XXXX XXXX XXXX ) and when I slid the lock over to unlock my credit I received an error code XXXX  and was directed to call XXXX with that code. On XX/XX/2020 I spoke to five representatives, including a manager, who told me I would have to mail a copy of my SS card with a cover letter including my full name, SSN, email, and phone number and 5-7 business days after that they would respond. I can not do this because a ) I don't want to send that in the mail to be lost or stolen, and b ) I don't have a copy machine in my home and won't potentially expose myself to a deadly virus to send documents I feel they have no right to ask for. And I'm sure no office supply stores or XXXX 's or libraries are open during this pandemic. Meanwhile, mortgage rates could go up and cost me thousands of dollars. Again, they did not ask for any verification documents when I signed up and locked my credit. They advertise a service to easily lock and unlock credit just by swiping the lock. Instead, they have basically hijacked my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
1. XXXX I deposited a personal check for {$9500.00} in my Capital One 360 Checking Account via a Mobile Check deposit. 
2. The Check I deposited into my Checking account was drawn on a Capital One Checking Account. 
3. XXXX  I received a notice from Capital One that stated the funds from the check the I deposited would be held until XX/XX/. 
4. XXXX I reviewed Capital One 's policy concerning the availability of funds from the deposit of a check drawn on a Capital One Account into another Capital One Account. The website said the funds would be available the next business day. 
5. XXXX I spoke with several customer service reps at Capital One in an effort to resolve this matter. 
6. All of the reps refused to verify the funds from the Check I deposited, even though it was drawn on an account from the same bank. 
7. The Check that I deposited was written by my sister who also banks at Capital One. The money for the check was removed from her Capital One 360 Checking account on XXXX 
8. My sister was present during my phone calls with Capital One. She explained that the {$9500.00} was removed from her account. There was no reason to hold the money. The funds were verified. 
9. Several calls to different account managers failed to provide me an answer as to why Capital One was holding my funds. Funds they could verify. Funds they knew were available. 
10. I was told by several reps that they could not tell me why my check was being held because it was private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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 status incorrect

Complaint:
In accordance with the Fair Credit Reporting act 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 This account is showing inaccurately 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 2023-11-08
Company: DISCOVER BANK
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: NC
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount items that were opened under my social security number and by the look if it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX  XXXX {$140000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Experian Information Solutions Inc.
State: WI
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:
Tried contacting/ Disputing with XXXX , was given no help. Put negative makes stating I was 30 days late when the account was charged off and sold to another company back in 2015. Public records still stating that the account is still owed

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 2023-08-25
Company: BANCO POPULAR DE PUERTO RICO
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I sent two emails to Banco Popular in Puerto Rico. 
Dates sent : Thursday, XX/XX/2023 XXXXXXXX XXXX  and XXXX XX/XX/2023 XXXXXXXX XXXX To : XXXX XXXX ; and a specific person who has the authority to respond. 
Subject : Urgent Request to Freeze Bank Account The email contains my mother 's full name, my official duty as her XXXX my mother 's SSA number, the bank account number, the death certificate, my contact info, offered to furnish evidence of my identity to validate request as well as stating that I live outside of Puerto Rico. 
My email request did include : 1. Added to subject field and body of email " freeze '' my mother 's accounts, 2. provide statements, provide a response On numerous times, I have also called and was unsuccessful despite that the call center staff ( 3 ) stated that they would create a " claim '' and send a message.

For any financial institution to know upfront that the inquiry is from someone who resides outside of PR, and for two separate bank locations to state that I would physically need to go directly to the branch to provide a death certificate, and not respond to a customer 's concern more than a month ago is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Radius Global Solutions LLC
State: VA
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 dont know why is this collection on my credit report. 
I recall any bill or anything about this 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
Consumer complaint received 2023-11-08
Company: Resurgent Capital Services L.P.
State: CA
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:
The debt company, LVNV FUNDING LLC ( owned by Resurgent Capital Services ), has purchased debt that they are claiming to be mine. 

This company must be under the impression that they are reporting accurate information under my name to the credit reporting bureaus. None of ther accounts that they are reporting to the bureaus are verified or true. 

The debt they claim is mine has not been fully verified or validated. I have requested proof of verification and validation of this debt and never received proof of a WET SIGNATURE of mine on a contract between the origin creditor and I to prove that I am liable for this debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

The accounts that are being reported under my name are inaccurate, unverifiable, unvalidated, and it is unlawful for LVNV Funding LLC to report them. 

These accounts listed below must be DELETED from my credit reports as LVNV Funding LLC is in violation of the FDCPA and the FCRA : LVNV FUNDING LLC XXXX {$700.00} XX/XX/ Unverified Account LVNV FUNDING LLC XXXX {$33000.00} XX/XX/ Unverified Account LVNV FUNDING LLC XXXX {$14000.00} XX/XX/ Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: NC
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:
This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX XXXX {$240.00} XXXX  XXXX {$2100.00}

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 explanation
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX XXXX {$240.00} XXXX XXXX {$2100.00}

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 explanation
Consumer complaint received 2023-11-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Both my wife and I bank with Fifth Third Bank. Our sirect deposits were supposed to land in the accounts this morning. They have not. We are in a time crunch, as we have not paid all of this month 's bills this month. If we can not access our pay, we will face the foreclosure of our home, the diminishment of our credit, and the inability to cover crucial bills like heat, water, and food, and will need to drop out of civilization. Please have them address our receipt of pay immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Over the course of several months I have be attempting to have the Credit Reporting Agencies to remove inaccurate information that is showing up on my consumer file. I would also like a copy of my consumer file. What I received in returned is a form letter that states that they do not belive who I am. I have sent a copy of my personal documentation. I think my rights as a consumer have been denied and violated.

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 2023-04-12
Company: Kikoff Inc.
State: IL
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 am writing to vehemently dispute the charged-off account and inaccurate reporting associated with the above-referenced account number XXXX, as reported by XXXX XXXX XXXX. Upon reviewing my credit report, I discovered that the account was reported as charged off, which needs to be corrected. 


It is important to note that there are no prior missed payments on the account. However, the account is reported as 90 days late for XX/XX/2021. I believe this to be a violation of the XXXX XXXX Reporting Standards, as the account should not be reported as charged-off if there are no prior missed payments. 

I demand that you provide documentation supporting the validity and accuracy of the reported information, including any signed agreements that establish the debt and any other pertinent information. 


Should the investigation reveal inaccuracies in the reporting of the charged-off account, I expect you to promptly remove the 90-day late payment. 

I demand that you respond to this dispute within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). Failure to comply may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

I await your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-05
Company: Experian Information Solutions 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:
For several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the creditor on my credit file. The bureau has failed to provide documentation and only respond back with a generic " verified '' response. They havent indicated how it was verified, or whom they spoke with and what information was shared with them that shows it is verified. i believe that this is in violation of my rights. I believe this is in violation of FACTA & FCRA.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been battling this debt collector with validation etc to no avail as I dont recall ever opening a XXXX XXXX XXXX XXXX XXXX  and it was such a low amount I would have paid it if I did. My investigation has revealed that I was a victim of the XXXX data breech and that is where my information was leaked. Please see the attached reports and please remove this an accurate item from my credit bureaus as you are causing me undo harm for something that was not mine.It

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: TX
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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