BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX  I found out that there are 2 debt collections and credit card accounts under my credit report which are not mine. So I contacted all 3 credit bureaus ( XXXX, XXXX and XXXX ) and also all the credit card company and debt collections. The thief used my identity opened accounts : 1. Midland Credit Management : {$610.00}, date opened on XX/XX/XXXX. 2. Midland Credit Management : {$500.00}, date opened on XX/XX/XXXX. The representative XXXX in the fraud department of Midland Credit Management told me that he will mail me the letter to let me know what documentations that I need to provided. On XXXX I received the letter, and I faxed them back the identity fraud as they requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: Eastern Revenue, 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: Problem with personal statement of dispute

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights. The creditor is named EASTERN REVENUE INC.

15 U.S.C 1681 602 A. States I have right to privacy. 15 U.S.C 1681 602 A Section 2 : It a
lso states a consumer reporting agency can not furnish an account without my permission.

I have contacted this EASTERN REVENUE INC to request they remove this from my credit report since 2021. They have not complied. They harass me everyday before XXXX and after XXXX. I want to sue. This account is not accurate and immediately must be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: TN
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 reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XXXX XXXX, 2022 XXXX XXXX, 2022 XXXX XXXX, 2022 XX/XX/2022 XXXX XXXX, 2022 XX/XX/2022 XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to dispute an collection account with XXXX XXXX XXXX. I do not have a contract with this company so they should not be reporting to the credit bureau. I have tried to logon to my Equifax account and have been unsuccessful in doing so. It is telling me that my logon information is not correct and I have been using the same email account for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2023-10-16
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked at my credit report and saw this company claiming that I owe them a debt. I contacted through their website, requesting documentation that said I agreed to pay them anything, and proof of them being the Original Creditor. Over 60 days have passed and I have not been contacted by anyone nor have I received any Document that I requested. I also asked that they removed their information from my credit report immediately. Also they have incorrect information about my home address. 

LVNV FUNDING LLC Reported on my credit report that I owed them XXXX XXXX Balance updated XXXX XXXX XXXX 
Contact info Name : LVNV FUNDING LLC XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2019-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: M&T BANK CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I opened my mother`s estate, as she passed away on XX/XX/XXXX. I went to M & T Bank to obtain her checking/savings account information, spoke with a relationship banker & manager at the XXXX XXXX XXXX XXXX XXXX, DE. When she and the manager pulled my mother`s account they both advised me that there were XXXX checks that were fraudulently signed ( mother`s name forged ) totaling {$160000.00}. Therse checks were signed when my mother was on XXXX with XXXX XXXX XXXX. Both the manager and relationship banker advised me to go to the police and to XXXX XXXX ( the bank where the money was deposited ). On XX/XX/XXXX I returned to M & T Bank, per my attorney request to file a fraud claim. Speaking with the same representatives, they advised a claim should be filed, and they did, indicating it would take a week for a response. Less than 24 hours the same representative called to state " That they were unable to process the claim as the account was closed, the account closed due to the fraudulent activity that made her account balance XXXX. These checks should have been flagged/rejected, since the signature is not my mothers and does not match her signature on M & T Bank`s file , and my mother was the sole owner of the account. In addition, to it not being her signature, she never wrote checks that large of an amount and these checks were deposited using a mobile app. These actions should have alerted M & T Bank to flag these transactions. I have been to M & T Bank several times and have not been helped at all, I feel my issue is just ignored and they do not want to help. But I will not give up on trying to resolve this fraud activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has been posted to my credit for quite some time now. It shows it purchased an account from commenity Bank but I've never heard of that bank or recognize the debt. I've tried resolving it with them but get nowhere. I've requested proof of the debt but get nothing. I've disputed it with credit reporting companies but they just come back verified somehow? I want this removed because it's hurting my credit and it's not mine!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: ONLINE Information Services, 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:
XXXX XXXX XXXXXX/XX/XXXX {$630.00} ( disputed no action ) XXXX XXXXXXXX XXXX XX/XX/XXXX {$710.00} ( disputed no action } Online information service XX/XX/XXXX ( disputed no action ) In accordance with the credit reporting act, these creditors have violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent XXXX verification letters to the debt collection agency requesting verification of debt. The debt has not been verified and is being reported to the credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a XXXX XXXX XXXX company and deal with all the major mortgage companies including XXXX  XXXX XXXX, which I have a least 10 loans. The homeowners ' insurance for 3 of the XXXX XXXX XXXX loans came due XXXX of XXXX. The insurance was paid by me in XXXX of XXXX. XXXX  XXXX XXXX requested evidence of insurance for said properties shortly thereafter. My agent and I both faxed evidence multiple times throughout the following months. XXXX  XXXX XXXX continued to request evidence of insurance and we continued to supply it. XX/XX/XXXX, I uploaded evidence of insurance to the website XXXX  XXXX XXXX provided and received confirmation emails of receipt. XXXX XXXX XXXX placed a lender-placed policy on one of the loans and changed the payment. I continued paying the normal payment every month, knowing I had provided evidence of insurance. I had to finally in XXXX go to a branch office and have them fax and email evidence directly to someone in the insurance dept. It took several months to get everything back to normal, then in XX/XX/XXXX, a business banker I deal with notified me my credit score had been hit 3 times for non-payment on 1 of the XXXX  loans and had reduced my credit score by 100 points. XXXX  XXXX XXXX has charged me inspection fees, late fees and hits on my credit due to there not processing my insurance correctly. Throughout XXXX, when I would contact XXXX as a follow-up, they would have no records of me contacting them the last time, which might only be a week or so previous. They said they investigated and found they had done nothing wrong. It makes no sense, why would I not provide evidence when I clearly paid for it, why would I not pay only one of the many loans I have, and why did they not address the confirmation emails they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have 18 months of mortagage relief payments from the Homeowners Assistance Fund and Flagstar Bank is behind in applying 3 months of my payments from XXXX to XXXX. {$3400.00} is the exact amount currently not applied to my mortgage payments. I have received notices from Flagstar for loss mitigation and even after contacting they still havent applied payments.

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 2021-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
For several weeks I have been trying to open a Capital One 360 Checking account but get an error message to call in to verify some information. Apparently Capital One has my SSN associated with a XXXX XXXX XXXX which has prevented me from continuing further. I have been " highly verified '' by Capital One and their associates tell me that they are correcting the issue but never do. I have called in numerous times to resolve this matter to no avail. They claim there is a one digit discrepancy in the SSN numbers. I have three long standing credit cards with Capital One that the banking division could verify with the credit card division and easily see that my SSN indeed belongs to me and not the other gentleman.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report and I am doing this on my own behalf. 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 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 2020-03-18
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: Investigation took more than 30 days

Complaint:
I have a XXXX XXXX XXXX company and deal with all the major mortgage companies including XXXX XXXX XXXX, which I have a least 10 loans. The homeowners ' insurance for 3 of the XXXX  XXXX XXXX loans came due XXXX of XXXX. The insurance was paid by me in XXXX of XXXX. XXXX  XXXX XXXX requested evidence of insurance for said properties shortly thereafter. My agent and I both faxed evidence multiple times throughout the following months. XXXX  XXXX XXXX continued to request evidence of insurance and we continued to supply it. XX/XX/XXXX, I uploaded evidence of insurance to the website XXXX  XXXX XXXX provided and received confirmation emails of receipt. XXXX  XXXX XXXX placed a lender-placed policy on one of the loans and changed the payment. I continued paying the normal payment every month, knowing I had provided evidence of insurance. I had to finally in XXXX go to a branch office and have them fax and email evidence directly to someone in the insurance dept. It took several months to get everything back to normal, then in XX/XX/XXXX, a business banker I deal with notified me my credit score had been hit 3 times for non-payment on 1 of the XXXX  loans and had reduced my credit score by 100 points. XXXX  XXXX XXXX has charged me inspection fees, late fees and hits on my credit due to there not processing my insurance correctly. Throughout XXXX, when I would contact XXXX as a follow-up, they would have no records of me contacting them the last time, which might only be a week or so previous. They said they investigated and found they had done nothing wrong. It makes no sense, why would I not provide evidence when I clearly paid for it, why would I not pay only one of the many loans I have, and why did they not address the confirmation emails they provided.

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 2023-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery llc has been posted to my credit for quite some time now. It shows it purchased an account from commenity Bank but I've never heard of that bank or recognize the debt. I've tried resolving it with them but get nowhere. I've requested proof of the debt but get nothing. I've disputed it with credit reporting companies but they just come back verified somehow? I want this removed because it's hurting my credit and it's not mine!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: CRED Technologies dba cred.ai
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This company has the worst customer service. Their customer service is outsourced not in the US. So English is not their first language. The English barrier is a problem. First off I have a refund from XXXX in the amount of {$54.00} this refund was issued over 7 days ago. Cred AI. Has failed to post my refund. This date of purchase was on XX/XX/2023 for {$62.00} XXXX  didnt refund my shipping fee which is why the refund is for {$54.00}. Ive contacted XXXX explained I havent received my refund they informed me it was issued and to contact my bank. Ive provided Cred. AI with documentation to support Im owed this money they havent done absolutely anything!!! Next issue I have a dispute for XXXXXXXX XXXX  and Credit AI again has not done anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief