BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My money {$720.00} was refunded back to my prepaid card via XXXX XXXX XXXX # XXXX XXXX XXXX XXXX on XX/XX/2023. The banking company will not release my funds

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 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Transunion is showing that I paid XXXX late on XXXX, XXXX and XXXX of 2018 this is no correct. There should not be any late showing on this account.

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 2022-08-09
Company: Resurgent Capital Services L.P.
State: UT
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:
Why is LVNV/RESURGENT still reporting my address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ. Where did they ever get this address to start? Why are they still reporting the debts that they allegedly claim when they haven't been able to provide any signatures and have just copied and pasted names on bills? Where is a single receipt showing a signature? These guys have illegally obtained my PII and continue to harass me. They need to have a signature before they can even send someone to my house unless you want me suing the process server who will then sue you for not proving that they even have a right to step on my property. You have failed time and time again to prove that these debts are legitimate. All you guys do is make up copy/paste bills and then send them to people to scam them out of money. You have a document that was served to the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: FIRST CITIZENS BANCSHARES, INC.
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
I am currently trying to do a refi on my property. During the title search a second mortgage is on there. 
I purchased the home in 2007. I had my first and second mortgage with XXXX XXXX, which went under. The second mortgage was sent to One West and I continued on with them. At some point, the loan was transferred again, however I never received any notice. 
I did not know who to call or where it went. 
To determine who now owns this loan I had to call the FDIC. I then called CIT bank https : //www.cit.com/, which is where they told me it went. 
After many hours and transfers, I finally got a live person who told me " I can see your name and address but that is all I can give you, our system is down ''. To which I asked when it would be back up. They couldn't answer if it would be days or weeks. 
This is a time sensitive document I need for a refi for an emergency, and I am unable to get what I need from a lender who never notified me of the transfer and can not give me the information now and can't tell me when that may be possible. 
This loan transferred well over 10 years ago and if I was properly notified, I would have been making payments to reduce the loan amount. 
Not notifying of a transfer should be illegal. 
I am now in a bad position because of the mishandling of my account by a bank. 
I would like to negotiate a lien release asap due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Capio Partners, LLC
State: CO
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:
Received a call from an unknown number XXXX. XX/XX/23 @ XXXX. They proceeded to ask for my personal information like date of birth and last XXXX of my social to verify they were speaking to the " right '' XXXX. Then asked to verify my address. I asked what it was in regards to. They said it was to collect a debt but couldnt tell me who it was for or what it was in regards to. Told my credit would be affected if I didnt proceed. I said i wouldnt proceed if they didnt tell me who they were calling in regards to. They said they were " Capio Partners '' to collect a debt and thats all they would disclose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: GA
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:
Requested that the erroneous info be removed as I dont owe the debt, XXXX XXXX did not provide any proof that dent was actually mine and Experian is parroting this incorrect information. Please ask them to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25
Company: Diversified Consultants, 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 disputed this account multiple times and XXXX removed the account after it was not validated and they have now allowed the account to be reported again on my credit profile. 

DIVERSIFIED CONSULTA Reported : XX/XX/2018 - {$170.00} Needs Attention Overview You've paid off 0 % of your collection amount. 

Balance {$170.00} Highest Balance {$170.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type No Info Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX Closed No Info This is not my account. XXXX is continually allowing creditors who are unauthorized to access my information and this is against my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone fraudulently entered into a lease arrangement with XXXXXXXX XXXX in XXXXXXXX XXXX using my SSN, TX Drivers License, Current Address and DOB. 

Move in date was XXXX  on the applicant is 100 % not mine. 

I have never been to XXXX XXXX nor lived in XXXX in general. I have visited XXXX one time in XXXX for work. But never ventured to XXXX. 

XXXX is the is the parent company or managing company of/for XXXX XXXX was entered XX/XX/XXXX. I have never received any correspondence from XXXX or XXXX even though they have my current address listed as prior address. 

Collections was entered XX/XX/XXXX for the amount of {$12000.00}. 

The debt is fraudulent and caused by identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Harvard Collections, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C 1001. Additionally, these misstatements are punishable as perjury under 18 U S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods services or money and was successful in creating some accounts All ls being Investigated by the FTC .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Resurgent Capital Services L.P.
State: FL
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:
There is a company LVNV Funding LLC, which showed up on all my credit reports I believe in XXXX of this year. I do not know who this company is and I have never done business with this company. I have requested documentation show I have or had an account with them and they have yet to provide the information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I applied for an car I was told they would only pull from XXXX now I have XXXX inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX 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 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 2022-10-25
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Lexis Nexis is reporting bankruptcy to XXXX  and XXXX  lexis Nexis said they would remove it I have disputed it lexis Nexis is still reporting to XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OR
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I provided all utility bills, and rental agreement where I was residing at the time in question. XXXX also, have pertinent information that someone received services in my name by hacking my account online. This debt from Columbia Credit Recovery is not accurate and must be deleted. This company has never spoken to me directly nor have they provided me with any documentation proving this is my account. This is not my account. Please delete immediately. I never lived in this unit. I was living at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and the month in question I was XXXX  and in the hospital and never resided at XXXX XXXX. I provided all my evidence to XXXX, XXXX, and XXXX, and they place false information on my report. 
There are other accounts that has been deleted from a bureau and all three bureaus don't comply accordingly. If deleted from one it should be keyed from all, such as XXXX and XXXX XXXX has been deleted from one bureau, but the others dont comply. I have evidence of someone getting credit in my name and the bureaus are aware of the name and due to the continued attempts they are aware of my information being compromised and at this time all negative reporting should be deleted and ceased from reporting any further as all my information has been compromised, as the tool has proven it and reported it on the credit bureau. None of my addresses on all 3 bureaus never reflects XXXX XXXX as any legal address belonging to me. PLEASE DELETE this account from my bureau today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I used the service for the first time to take a payment for items I was selling. The customer inpute their card information and I received a receipt, which I sent to the customer via text message. Total purchase was {$7800.00}. After a day or so the funds were not in my account, so I contacted the company. They said they had sent me an email with questions I needed to answer before they could release the funds. I sent them a copy of the invoice which included all of the customers information, and I answered all of their questions about my business. I then recieved an email from them stating that they determined my business to have a high probability of charge backs so they would be closing my account. The {$7800.00} would sit with them for 120 days before they would release it to me. I called them to tell them to send the money back to the customer, and the customer would pay in cash instead and they informed me that because they closed my account they could no longer issue refunds either. 
Essentially they have {$7800.00} of my money that they are holding hostage for 4 months. The customer has the product as I was expecting to recieve the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-12-14
Company: Experian Information Solutions Inc.
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2023-08-27
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My wife left me a couple of months ago. I recently started getting notices from debt collection agencies for debt that I didn't create. Apparently my wife decided to take out credit cards and loans out in my name. She has me {$30000.00} in debt and my credit is suffering. I froze my credit, filed complaints with the 3 major credit agencies, contacted the local police and prosecuting attorney 's office about the identity theft, but they refused to let me report it because we are still legally married.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items 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 non-monetary relief
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: PA
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXXBalance {$590.00} XXXXBalance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: BRAUFMANN, LEIGHMANN & ASSOCIATES
State: TX
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 received a voicemail that had no information, only said We are trying to contact you please call this number back and reference the case number But they never said my name or the case number. I called the number back and XXXX XXXX answered and said I owed a debt for a XXXX XXXX opened in 2006 and I needed to pay {$4700.00} today or I was getting served. He said they have sent correspondence to an address I havent lived in for years and when I explained that he said, it doesnt matter we still tried to contact you and you never responded. He said he was with Braufman and Associates and they would be showing up to my place of employment to serve me. Again, had the  incorrect employer. I explained that to him and he said I dont care I have your social, I can get your information whenever. I doubted him, but he was very persuasive and threatening. He told me to hang out and the payment department would take my payment information and set up a payment plan. I waited 5 minutes, some guy got on the phone and took my debit card information and hung up. I received a docusign form asking for my debit card information again but no contract, nothing with the law offices information, no payment amounts ... nothing. After I signed I thought it was very fishy. I started XXXX the law office and only found complaints of fraud and scam. I went back to look at the docusign and the email address is a XXXX account. I dont think this is legitimate.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2022-10-25
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: Personal information incorrect

Complaint:
My name is incorrect on my credit report. My employer name is incorrect. The addresses listed on my credit report is false and must be deleted.

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