BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 made several disputes to Transunion, XXXX, and XXXX about an account that they are reporting wrong they account was charged off now its reporting as an open account. I also sent proof of my claim and they still refused to correct the errors. Now to the date of this complaint the account has been Re-aged but they say it accurate how if there has been no agreements or payments made on the account? How can they all have different ( dola ) dates Date of Last activity but all be accurate for the same account theres only one 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 2021-02-04
Company: EQUIFAX, INC.
State: NY
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:
Equifax credit bureau has been reporting 1 fraud account and 1 inaccurate account both derogatory on my credit report. I have sent numerous documents through the mail and online through fax and on the phone for hours. I have been told to bad figure it out myself as they report false inaccurate information that has had my score crazy low for years.. I have over 20 hard inquires all of 17 that are unknown by me. I asked several times for them to validate properly and explain now when i call in i get hung up on and do not get a call back. This information that is not correct has impaired my ability to get a car, loans, credit which is needed in everyday life by a single father of XXXX kids. I was part of the data breach as well and i truly believe this is my whole issue. This company could care less about the consumer that is for sure. I pay them to monitor my report as well which obviously needs to end now. XXXX  and XXXX found all the same accounts and hard inquires to be identity theft and fraud and has taken serious action on removing all and my scores are on the rise. Equifax needs to be audited on there practices sertiously p [ lease help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX SSN : XXXX. RECENTLY Capital one closed my accounts ending in : XXXX XXXX XXXX DESPITE ALL OF THE REASONS BELOW NONE OF THE REPRESENTATIVES COULD HUMANIZE WITH ME EVEN THOUGH I HAVE AN OUTSTANDING HISTORY WITH CAPITAL ONE : I have had this capital one account for over 3 years. I added my family as authorized users. I verified 9 out of 11 accounts. They shut down my accounts and I have been a good paying loyal customer for years. I am very upset about how they did business with me I have never missed a single payment but they shut down my account for me adding my family as authorized users. I COULDNT GET IN CONTACT WITH 2 OF THE PEOPLE LISTED. NOW THIS IS RUINING MY REPUTATION. 

IF MY ACCOUNTS ARE NOT REINSTATED I AM GOING TO FILE COMPLAINTS WITH THE BETTER BUSINESS BUREAUS, FTC, AND ETC. I DONT WANT TO DO THOSE THINGS SO I AM GIVING YOU GUYS AN OPPORTUNITY TO HEAR ME OUT. THIS HAS AFFECTED MY CREDIT SCORE. THESE ACCOUNTS NEED TO BE FIXED IMMEDIATELY. 

XXXX TELL THE CEO OF HOW THE LOWER REPS ARE TREATING LOYAL CUSTOMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: LendUp Loans LLC
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018 a cashier 's check was issued in the amount of {$740.00} to XXXX  from XXXX as a credit consolidation and was mailed to XXXX with a tracking number. All of the appropriate information was on the check such as account number and name and also had a statement stub attached to the check. XXXX   received the cashier 's check on XX/XX/2018 and still has not processed this payment. XXXX can not cancel and reissue this due to it being a cashier 's check. LendUp is refusing to credit my account for this amount and in the meantime I'm still paying a minimum payment to them every month so it won't affect my credit score. We have the tracking information that they received it as well as the check stub saying that it was written. They are saying they can't find it and we should have paid it online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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:
This company is a debt buyer who is reporting inaccurate information on my credit report. I have recently removed the inaccuracies this year and now its reappearing again with different balances and inaccurate original balance and balance owed. I repeatedly asked this company to please send a copy of original contract by creditor but have yet to receive this information. According to the FCRA any information that is incorrect and not verified as being correct must be removed. This is why it was removed the first time because it was inaccurate. Now it is again on my report with inaccurate information again with a higher original balance. and a lower balance owed but i never once made any payments to this company. Why did the balances changed? This is a refusal to pay until original signed contract is received. Letters received by this company after disputing has addresses that is not my address. I have also contacted the FTC about this mater because I'm tired of beating a dead horse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: EQUIFAX, INC.
State: WA
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 XXXX Credit card account balance shows XXXX. I have never applied for the card nor am I aware of this card and I never banked with XXXX XXXX XXXX. 

I had recent credit check done by homeland secuirty and that is when I noticed this issue. I have tried many times to get this problem solved but nothing happens. This is not my credit card nor my charges and I need this removed off my credit report. I have provided more then enough proof and documentation for this but XXXX XXXX XXXX is not responding at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 XXXX Credit card account balance shows XXXX. I have never applied for the card nor am I aware of this card and I never banked with XXXX XXXX XXXX. 

I had recent credit check done by homeland secuirty and that is when I noticed this issue. I have tried many times to get this problem solved but nothing happens. This is not my credit card nor my charges and I need this removed off my credit report. I have provided more then enough proof and documentation for this but XXXX  XXXX XXXX is not responding at all.

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 2018-09-21
Company: Miller, Stark, Klein and Associates
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They have been calling me for over a year using threatening language to take legal action on a debt from XX/XX/XXXX- which exceeds the statue of limitation for collection in the state of Ohio . I also have proof that this was settled in XX/XX/XXXX and sent it over twice to their office. They will not stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, INC.
State: NC
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 a fraudulent account from XXXX XXXX I did speak to them and they said they would respond to Equifax and delete it see letter enclose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
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 because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$280.00} XXXX XXXX   XXXX {$1700.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2021-11-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Im unable to attain my Equifax credit score and report via myequifax.com and XXXX XXXX. I would like this issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Accounts are : XXXX {$2300.00}, XXXX XXXX XXXX, XXXX XXXX XXXX {$780.00}, Inquires ; XXXX XXXX, XXXX, XXXX XXXX, equifax mortgage, XXXX XXXX, XXXX and XXXX  Please remove any inquiry within the last 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification for debt settlement in the amount of {$83.00} from CBE Group over a year ago regarding a debt owed to XXXX XXXX. I disputed the debt, sending a written letter within the 30 day period requested. I never received any further letter from CBE validating the debt nor asking for any further information on my behalf. Recently, on XX/XX/2021, a collection report in the amount of {$83.00} showed up on my credit score, thus effecting my overall score. Am I correct that CBE must legally verify debt before taking action on an individuals credit? The debt is not valid and I have not seen any validation of it. I have kept outstanding credit my entire life and have had nearly perfect credit, paying everything on time, so this is extremely concerning and unfair. Please help keep companies like CBE accountable for their legal liabilities and fraudulent actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
i have had problems with identity theft, i asked them to send me any information about this transaction to me, i told them i am a victim of identity theft, but they continued to harrass me with threats, calling my job, to no end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: Lending Club Corp
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
In XXXX, XXXX I got approved for {$15000.00} loan, {$14000.00} been transferred to my bank account the last week of XXXX. 
It was 36 Mo. term loan with % 29.67 interest rate & % 34.53 APR. I started paying XXXX, XXXX, XXXX. I was great customer for 14 ( Fourteen ) consecutive months until XXXX, XXXX. Every month {$630.00} goes from my bank account to the lending company with No problem, Fourteen straight months No late fee or anything. I work as an XXXX XXXX, I filled for unemployment, but I didn't receive any money until today. I tried to contact the lender several times, No response, ONLY, a message that tells people how great this company is, and how they are complying with the federal government regulations, and how they are here to help .... and on and on. I went to their website and emailed them through their page. Said that I won't be able to make payment for the month of XXXX, and maybe the month of XXXX. This Email was three days before the XXXX payment due. I called my bank to make a stop payment for this amount, because if they ignored my email that I sent three days before, they won't be able to withdraw money from my account. I wasn't sure when I will be able to have more money in my account, and what ever was in my bank account need to be saved for rent, food, and more important items. 
I received an email in XXXX, XXXX, XXXX that said they weren't able to withdraw the payment for my account. I replied to this email with the same message I sent through their website ( I won't be able to make payment for the month of XXXX, and maybe the month of XXXX. There was a link to defer plan, I applied for it, they said that they will get back to me within 10 days, but No one did. I couldn't make a payment for the month of XXXX. 
They didn't send an email this time or tried to contact me to find out what happened, especially I was a great customer for 14 months. I assumed that they understood my financial situation, but NO, last week I received a letter from a COLLECTION AGENCY. can you believe that. I called and I gave them what they deserve, they said they will review my case and get back to me, that was last Tuesday. Now I need to know what can I do, I didn't pay the rent for the month of XXXX or XXXX, I didn't receive any money from the unemployment yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Chapter XXXX bankruptcy XX/XX/2013. Should be removed from report at 7 years. Dispute filed. Experian only verified that it happened and was accurate, this was not the purpose of the dispute. It should be removed from my report. 
No action taken. Issue not addressed. Unsatisfactory result with no explanation from experian.

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 2019-10-28
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( Credit Collection Serv ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 


Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : Shayla> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
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 information incorrect

Complaint:
The companies Equifax, XXXX  and XXXX are a private business that earns and makes a fortune from your most private belongs, your private information!!! 
You, your name, your details, your private life and your businesses are taken and transformed into the property of the Equifax, XXXX  and XXXX companies, and they sell your private and personal information or spread wrong information about you!!! 
Equifax, XXXX and XXXX are private businesses that earns and makes millions at your expense and from your private assets Plus, they damages your identity, your good name and causes you financial damages! 
Do not let them! 
Equifax, XXXX and XXXX are private business that follows you, stalk you and collect information about you They takes advantage of you and your private life! 
They get involved in your business and sells your personal information at any cost, even at the cost of mistaken information and damage to you and your family! 
Equifax, XXXX and XXXX track and post information about you without permission or consent! 
Do not let them! 
Stop them!!! 
Request and demand to remove your name from their databases and don't let them spy, follow you and spread wrong information about you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have a private student loan through Citizens Bank. The servicing of the student loan is through XXXX. The loan program has a auto debit incentive which reduces the interest rate. As this change in rate is not on the note or disclosure statement it is my understanding that they are required to show whether or not it is applied on my monthly statement or otherwise disclose if it is being applied to the current rate. XXXX contests this and has told me that they are not required to disclose this, that i need to manually calculate the rate monthly and check to see if this is applied. Am i correct that they are required to disclose this? If so can you point me to the particular regulation on point so i may pursue my grievance?

Company response to consumer: Closed with explanation