BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: CA
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 a Business alarm company that I never approved, The company now sold to a collection agency, It has it report on my EXPERIAN AND XXXX REPORT AND THIS IS WHAT IT SHOWS, I keep on disputing this incorrect information, and it keeps on coming back to my reports. PLEASE HELP! TO GET THIS RESOLVED AND REMOVED. 


General Account Info Report Number : XXXX Date Generated : XX/XX/XXXXAccount NameXXXX XXXX Account NumberXXXX Account TypeLease ResponsibilityIndividual Date OpenedXXXX StatusCreditor can not locate individual. {$1200.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$5600.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XX/XX/XXXX Monthly Payment {$120.00} Original Balance {$7000.00} Highest Balance {$0.00} Terms60 Months

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 2019-02-08
Company: EQUIFAX, INC.
State: CA
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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

Unknown : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt was cancelled by Barclays Bank last year. I reported it to you and the Bank removed it from my credit report. It is an extremely old debt and over the time to collect. Now they have turned it over to another collection agency to harass me. The debt collector calls and speaks derogatory to me and intimidating me to pay this bill that does not exist. Baraclay should be aware of this tactic and get rid of this debt since this issue has been resolved.

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 2021-09-08
Company: Resurgent Capital Services L.P.
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:
I have these accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 


2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

4. Identity Theft LVNVFUNDG Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Michael J Adams PC
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:
someone got ahold of my information and used to purchase goods. i contacted store along with XXXX to figure it out but they never had an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: MN
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:
These are fraudulent inquiries and I have tried to reach out to equifax to have them removed. These are the following involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: NJ
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 decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$3100.00} DEPTEDXXXX XXXX XXXX XXXX  XXXX {$25000.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX {$18000.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$1100.00} COLLECTION XXXX {$520.00} XXXX XXXX  XXXX {$930.00} XXXX XXXX XXXX  XXXX {$550.00} XXXX XXXX XXXX  XXXX {$460.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX  XXXX {$66000.00} XXXX XXXX  XXXX {$670.00} XXXX  XXXX XXXX XXXX XXXX  {$460.00}

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 2021-02-28
Company: EQUIFAX, INC.
State: OH
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 unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet. Erase this on my report as it truly influences my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: DISCOVER BANK
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Fraudulent application of payments. 


I took out a personal loan in XXXX XXXX and I enrolled in automatic payments. In XX/XX/XXXX, I made additional payments of {$200.00} but the principal balance showed the wrong balance. I also made another additional payment of {$500.00} and still the balance reflected wrong. 

When I noticed the errors in XX/XX/XXXX I made a call to discover bank to make a complaint, and they told me there was a problem with their system so it not did apply the automatic deductions to both principal and interest and they were going to fix it. 
In XX/XX/XXXX, nothing had been done, I made another call and they promised another review. Still in XX/XX/XXXX, the same problem was still occurring and I was prompted to make another follow up call. I was given the same lame excuse. I finally asked them to explain to me in writing what happened and also tell me how they are going to fix it. 
Fast forward XXXX, XX/XX/XXXX. I see the same problem, My principal balance has been static on the same amount for 6 month. I made the last call today and Informed that I will be filling a complaint with CFPB. 

My major problem with Discover personal loans department is that, Interest is computed based on the daily running balance. So for them to present me with a wrong running balance since XX/XX/XXXX and a static balance since XX/XX/XXXX means they are charging me more interest. They also never alerted me of the error even after discovering it, they never presented their explanation as requested in writing. 
This to me is kind of a fraudulent application and representation of the loan. 

It is for this reason that I am filling this complain to have it resolved. 

Thank you. 

Sincerely XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
OnXX/XX/19 And on XX/XX/2019, I sent certified letter to LexisNexis to dispute the inaccuracy, compliance, and reporting of a public record that they maintain under my social security number. I requested in the letters that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. On XX/XX/XXXX, they responded back stating the bankruptcy is accurately reporting on my LexisNexis RiskView report. This information is false. I received a letter from the United States Bankruptcy Court stating : " They do NOT report or transmit bankruptcy court records or any other information to the credit reporting agencies. '' Then onXX/XX/19, I received a letter saying I requested for them to initiate a dispute on my behalf with XXXX, XXXX   XXXX, and XXXX, but they have not received a response to date. I DID NOT GIVE THEM PERMISSION TO DO SUCH AND THIS WAS NOT A REQUEST IN MY DISPUTE LETTER!!! In the response, I received from LexisNexis, they have not only violated federal laws. Because reporting per FCRA should be 100 % accurate. They have failed to properly provide any viable evidence bearing my name, signature or showing the account is being reported accurately which is what I initially requested. I am attaching substantiated evidence to support my complaint. The entry is inaccurate and unverifiable so I am requesting it be deleted/removed from LexisNexis & also from the 3 major credit bureaus- XXXX , XXXX XXXX , and XXXX   being that LexisNexis is who reported the information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$3100.00} DEPTEDXXXX XXXX XXXX XXXX  XXXX {$25000.00} XXXX XXXX XXXX XXXX {$670.00} XXXX  XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX {$18000.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$1100.00} COLLECTION XXXX {$520.00} XXXX XXXX  XXXX {$930.00} XXXX XXXX XXXX  XXXX {$550.00} XXXX XXXX XXXX  XXXX {$460.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX  XXXX {$66000.00} XXXX XXXX  XXXX {$670.00} XXXX  XXXX XXXX XXXX XXXX  {$460.00}

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 2022-02-01
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021 I received a copy of my consumers reporting file and noticed a tradeline reporting that I never authorized.. I filed a police report and was told to contact all reporting agencies to notify them of all fraudulent accounts and activities. I've spent countless hours and days gathering all the proper documents.. per 15 U.S Code 1681c-2 these fraudulent accounts Account Name XXXX XXXX XXXX XXXX XXXX XXXX , are to be blocked and cease to be reporting on my consumer file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: JP RECOVERY SERVICES, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am in receipt of your companys letter informing me you are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between XXXX XXXX XXXX # XXXX, and myself, XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. 
This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question. 
Your failure to respond and provide strict proof of contract will constitute your tactic agreement that XXXX XXXX XXXX and XXXX XXXX are not entitled to enforce a claim against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: XOOM CORPORATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I initiated a money transfer with Xoom specific instructions for the funds to be sent to the recipient in USD.When the transfer was instead sent in XXXX, I requested of Xoom a full refund of the value of the money transfer of $ XXXX.According to Xoom 's written user agreement a customer is entitled to a full refund in cases of error where the transfer is not done according to the sender 's instructions. 



I received a written response from Xoom acknowledging the error but then only offering me a refund of the {$7.00} money transfer fee.This is inadequate according to Xoom 's refund policy which states a customer is to receive a full refund in cases of error where the money transfer is not sent according the the sender 's instructions.I have included Xoom 's user agreement regarding refunds. 



Please help me get my money back. 



Thank you 14. Refunds To request a refund, please click here for Customer Service. We will refund your money within three business days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a Recipients account. You can cancel your Transaction for a full refund within 30 minutes of authorizing your Transaction, unless the funds or mobile reload have already been paid out to the Recipient or Service Company. After 30 minutes, we generally do not provide refunds unless we did not process your Transaction according to your instructions or we are unable to pay out the Transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: MN
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:
These inquiries do not belong to me. These are fraudulent inquiries. I have disputed these multiple times with equifax with no results. These are the companies involved : XXXX XXXX XXXX Date Of Inquiry : XX/XX/2019 XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: EQUIFAX, INC.
State: VA
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 six credit card that are included in bankruptcy, but they are not mine except one. Let me explain. I never knew what a credit card was or about credit scores. When I saw a credit card commercial I ran my debt card as credit to see if it would go through, so it did and so I thought a debit card was also a credit card. so after that I never paid attention again until I started getting calls every day from people saying I owed money, so I thought that one store card I got was cheating me saying I never paid. So after a month of constant calls I stopped paying that store card because I thought they were messing with me. A week later of constant calls I asked my dad who are theses people and he told me debit collectors. So my dad told me the only thing to do was file for bankruptcy and told me it would stop the creditors from calling and that wouldnt have to pay the {$20000.00}. If I wouldve known about the credit bureaus and would have known that you could file for a fraud investigation, then I wouldve chosen that also because I didnt know a bankruptcy could hurt you really bad. After the bankruptcy I started to learn about credit and how it works and came across this guy on XXXX talking about the FCRA and how to get stuff removed. So now Im trying to get them removed because Im XXXX and Im still living with my parents because of the bankruptcy. Ive sent three rounds of letters to the credit bureaus to verify if it was me with a signed consumer contract by the FCRA section 609 ( a ) ( 1 ) ( A ) and they keep saying it verified, but have no documentation. Ive also sent them a letter from XXXX XXXX saying that the account was not included in the bankruptcy and they still didnt delete and remove the account. So please Im asking for help so that I can get my own place and have a stress less life. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please be advised I have been a victim of identity theft. The fraud was committed when the following account ( s ) was/were opened, without my consent and/or knowledge, by persons unknown to me : The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 


LVNV FUNDING LLC # XXXX XXXX : XXXX XXXX XXXX XXXXXXXX. amount {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05
Company: BARCLAYS BANK DELAWARE
State: TX
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:
XXXX XXXX has made several charges to my card that were not authorized. Any attempts to speak with Barclay is met with a language barrier and is futile to exhaust these resources. 

I'm asking that this matter be handled immediately. 
XX/XX/XXXX : {$28.00} XX/XX/XXXX : {$96.00} XX/XX/XXXX : {$200.00} I made a purchase on XX/XX/XXXX " XXXX '' amd was required by XXXX to pay at the desk. At that time, they recorded my info and have charged me several times after my 3 day stay.

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 monetary relief
Consumer complaint received 2019-08-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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:
I contacted USAA around the XX/XX/2019 to inquire is a Chapter XXXX ( CXXXX ) bankruptcy would impact my secured VISA. I was told it wouldn't, which was a lie. 

My CXXXX was filed on XX/XX/2019 and by XX/XX/2019, USAA had closed my secured VISA account with no notification and they did not use the secured funds to pay off the card. They changed the card to a charge-off status and refused to release the security funds to pay the card off, as I'd requested. They told me to have my lawyer contact them, which he did, twice. They ignored my lawyer 's requests to close the CD and pay off the card. I felt like I was lied to again. 

I then contacted USAA again on XX/XX/2019 to inquire about this same issue and reached a CS Rep that indicated I was misinformed during my previous calls. She put in a claim to have the security funds released to pay off the card and would send me the balance. That claim was denied but no-one notified me. 

I then contacted USAA ( again ) on XX/XX/2019 and went through ~six reps in almost 1.5 hours to get no-where. The call ended with a bankruptcy dept rep named XXXX ( emp # XXXX ) and her manager, XXXX. They both lied again and said the funds would not be released until the bankruptcy was discharged ( which made no sense to me since the card would be paid off so there was nothing for them to use *MY* money for if the card is already paid in full ). I then contacted my lawyer and asked for his assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation