BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: Waypoint Resource Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX/XXXX/XXXX, I was on the XXXX website looking to pre-order a new XXXX XXXX XXXX smartphone and I wanted to do the installment plan to pay for the phone. I submitted an application for credit on the XXXX website but the website gave me an error page. I refreshed the webpage which brought me back to the application for credit webpage which I resubmitted again. This time the it submitted properly but I was declined and it stated that a explanation was being sent in the mail. I called both XXXX and TD Bank and I ended up bounced around since nobody could answer any of my questions. Finally, I was told by a TD Bank Rep that I did have an account and provided me with my account number. 

I further asked how I can go about using this new credit line to purchase my phone and TD Bank told me to contact XXXX XXXX. XXXX XXXX told me it was an issue with TD Bank. I have called numerous times since then without any positive result or any further guidance on how to proceed. 

I ended up purchasing the phone at full price and no longer need the credit line. When I contacted TD Bank to let them know this, they said if I wanted to close my account then they would do that but it would show that I requested the close of the account on my credit report. I explained to them that I am closing it because there is no way for me to use this credit line since it is only valid for XXXX products on the XXXX website which neither I, TD Bank nor XXXX could figure out how to apply the credit line to my XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09
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: Credit inquiries on your report that you don't recognize

Complaint:
The hard inquiries on my credit report shouldnt be there do to the fact that I didn't give permission for them to be applied to my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent out dispute letters on XX/XX/2021 Which was over 30 days ago to LVDV FUNDING LLC, my complaints was to have debt validated and proof to collect debt in my state. I have never had an account with this complany. I have ask for proof of my wet signature and this company has yet to provide that. 

I also sent a second notice on XX/XX/2021 which also was well over 30 days ago. Failure to provide proof also. I have not heard from this company since then. XXXX is also reporting this information inaccurate information after disputing with them multiple times. They also have failed to provide me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
The hard inquiries on my credit report shouldnt be there do to the fact that I didn't give permission for them to be applied to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Experian Information Solutions Inc.
State: IL
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:
Since XX/XX/XXXX I have been trying to work with following three companies to get account reported correctly to all three credit bureaus ; my pervious attempts have been without success on XX/XX/XXXX sent letters to CEO/President of company looking for resolution because these account are terrible hurting my credit file to my understanding these accounts were removed in their entirety. Upon reviewing my files XX/XX/XXXX I noticed that they are still here overtime I reach out to companies they update reported with more errors as recent as XX/XX/XXXX XXXX XXXX updated file from {$0.00} to {$86.00} then from account closed to open not more than 60 days late then changed it to closed charged off and my score took an XXXX point hit due to this misreporting. Not to mention the account was sent to a collection agency in which I did make a payment for deletion agreement with intent per discussion that all 3 negative entries will be removed ( both XXXX XXXX credit card account and the collection with XXXX, XXXX which has not happen. Same situation with XXXX card occurred. Attached you will find documents sent to support dispute of inaccuracies which they seem to agree with I do my part and information is never correct by company or credit bureaus.

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 2021-11-07
Company: Experian Information Solutions Inc.
State: DC
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:
Fraud department for each bureau has been called several times in regards to someone breaching my SSN. Each bureau assured me that they would remove the inquiry for XXXX XXXX off of my credit report. This inquiry is still reporting and has shaved points off of my score for the hard inquiry. I even put a freeze on my XXXX account back in XXXX and the agent never actually successfully froze my account. This inquiry is not attached to an account. I spoke with XXXX XXXX as well for removal and was informed it would be removed almost a month ago. 
I DID NOT RECENTLY OPEN AN ACCOUNT WITH XXXX XXXX THIS ACCOUNT INQUIRY DOES NOT BELONG TO ME!

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 2022-03-30
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: Was not notified of investigation status or results

Complaint:
I have some inquiries that are reporting on my reports that I did not authorize, I have no idea where they came from! When I contacted the creditors they told me it was all electronic and I needed to dispute with the bureaus, so I did starting in XXXX of XXXX. When I found out they were supposed to respond within 30-45 days but I never got an answer, I sent another letter on XX/XX/XXXX, Still nothing so I sent them in XX/XX/XXXX and XX/XX/XXXX through certified mail so I could track it. They were delivered but I have never received any mail from them showing that they were investigating or anything! This is not acceptable or legal.

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 2021-11-07
Company: Bull City Financial Solutions, 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: Investigation took more than 30 days

Complaint:
XXXX is reporting XXXX derogatory account on my credit report by the name of XXXX XXXX XXXX. I have sent over XXXX dispute letters since XX/XX/2020 to XXXX asking them to investigate the account and I have yet to receive a written response with validation documents or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Colony Brands, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I received a call from " XXXX XXXX XXXX '' about a derogatory account with XXXX XXXX totaling {$1100.00}. This account used my social security number and my maiden name, which I have not used in 7.5 years. I informed them this was not my account and I was not aware of it before that phone call. As instructed, I sent an email to dispute the said account. I did not receive any feedback from this process. I called the company again and sent the same email again on XX/XX/XXXX. I still did not receive any feedback from this dispute process. This account continued to reflect negatively on my credit report, and has dropped my score approximately 100 points, despite being a disputed account. On XX/XX/XXXX. I contacted XXXX XXXX XXXX and XXXX XXXX about said account. I was met with many rude people at XXXX XXXX. When asking about my account I was met with XXXX as I did not know the address or account number to an account that was not even mine. I stayed on the phone with an associate for over an hour, and was then disconnected by no means of my own. During this time I discovered the account was created in XX/XX/XXXX, when I was XXXX years old. I never placed these orders and never received any of the products in question. I am upset because the level of customer service I have experienced was atrocious, and because despite disputing the account, it has continued to wreak havoc on my credit score. XXXX XXXX is currently sending me a " fraud packet '' after three months of disputing the account.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-20
Company: Genesis FS Card Services, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The Indigo MasterCard debt with original creditor XXXX XXXX  but issued through Genesis FS Card Services ( really unsure of the original creditor ) was paid to XXXX XXXX XXXX XXXX, XXXX on XX/XX/2022. This account is still showing on my credit report as a credit account charge-off and creditor should have removed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XX/XX/XXXX, I had borrowed up to {$800.00} from CashNetUSA. They wanted me to pay {$390.00} and I asked for a payment arrangement because being on XXXX I could not afford to pay that much at one time ( they had worked with me before ). They did not agree to a plan I could afford this time so I had the bank to stop any payment to this company. They kept adding interest and ran the account up to {$1700.00}. I did not hear from them until XX/XX/XXXX. They offered me a settlement of {$860.00} instead of the {$1700.00} and I had to let them know by XX/XX/XXXX. I agreed to pay {$170.00} a month starting on XX/XX/XXXX through XX/XX/XXXX. They agreed but wanted it to start on XX/XX/XXXX. I contacted them on XX/XX/XXXX and told them that they were breaching the payment agreement when they did not withdraw the money from my account. They emailed me back and said it will take 2 days to post to my account. It is XX/XX/XXXX and they have not withdrawn the {$170.00} from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: BETHPAGE FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
i have a home equity line of credit with XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I owed {$1400.00} on the line of credit, i called the rep that i would like to pay up the line but keep the line of credit open for future use. I sent in the funds in XX/XX/XXXX. i received statements in XXXX, XXXX, XXXX, showing that line of credit is XXXX balance, and the savings account has {$5.00} balance ( required ). 
I received the XX/XX/XXXX statement and i noticed that there was a withdrawal of {$2.00}. i called to ask what it was for, she said that it was interest for the line of credit still owed, i sent the money. 
I got my credit score and notice that XXXX is showing that i have an account delinquent for 60 days. i called the banker, it seems that XXXX requested to close the account and not sure what they show as delinquent. 
I tried to call to a few reps and each one puts me on hold and is not helpful. 
my line of credit is perfect and this is unfair for them to show that my account is delinquent. there is nothing that i owe to 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 2022-01-09
Company: Nathan & Nathan, P.C.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Did not get the summons to go to court for this debt. Never got served. 
Started garnishment on this debt without my knowledge. I received notice a week after garnishment of paycheck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: U.S. BANCORP
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was checking my reports and a {$10000.00} charge showed up on my US Bank account. It says a credit card but I have not had a credit card with US Bank in years. Please refund as fast as you can.

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 2020-04-25
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:
There are inaccurate accounts that remain on my credit report, however the credit bureau has failed to provide proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Genesis FS Card Services, Inc.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/21 : Multiple calls to my employer from XXXX stating they are attempting to serve me paperwork at my place of employment. Gave me an XXXX to contact for further information. Contacted the individual so called XXXX XXXX from XXXX XXXX XXXX? Claimed he was a legal administrator trying to collect a debt for {$550.00} for an indigo mastercard. Explained I have never owned such a card and he became abusive stating to take it up with judge. Refused to give me information re debt and hung up on me. I called back asking he give me the correct spelling of name, work place, address. States he is not interested in being my penpal and hung up on me. I called back again and asked for business name, state and city license number. Stated he would only give it to an attorney and asked that I quit wasting my time and his and hung up on me. I called back and stated I have the right to self represent in court of law. He said see you in court and hung up. At this point I have no idea what company I am dealing with, the legitimacy of the debt, nor how to move forward since I have only been threatened of being served at my place of work and have not. Meanwhile, I have found a {$300.00} debt on my credit report and have disputed the account. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
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: Personal information incorrect

Complaint:
The name listed on my credit report is incorrect. The address listed on my credit report are all invalid. 

My Name is XXXX XXXX XXXX. 

My address : XXXX XXXX XXXX, XXXX, CA 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 2022-08-10
Company: Nationwide Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I started using XXXX to receive medical attention from XX/XX/2021 in XXXX XXXX hospital because I am XXXX. 
XXXX I was told is supposed to last for XXXX XXXX. 
I went for an appointment on the XXXX of XXXX unknown to me that the XXXX was no more valid but I was told there that it has expired, I decided to go back home without encoring any medical bill to myself because I don't have a regular job yet. They assured me they will attend to me that day without letting me know I will be expected to pay out of pocket the money that I don't have. 
Only to get this bill which I have been running around to sort out with them since then but it's been an additional way of increasing my XXXX XXXX since then because I am not getting any positive result on it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation