BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Thanks we have an account with capital one bank credit card number XXXX and we sent an total of {$950.00} XXXX XXXX and XXXX XXXX dollars for the account, but instead we never used any of the funds and in fact we was locked out of the account for 4 months now and the crooks are still not giving us our money. I think they misplaced the funds and one of the supervisors told me to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


I C SYSTEM INC {$820.00} XX/XX/2018 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 2018-04-27
Company: Riverwalk Financial Corporation
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:
After disputing XXXX XXXX XXXX and provide supporting documents to XXXX, XXXX refuses to delete the collection account from my credit report. After filing a complaint against XXXX XXXX XXXX with CFPB, XXXX XXXX XXXX agreed to have the collection account deleted from my XXXX credit report. I have provide XXXX with a copy of XXXX XXXX XXXX deletion letter via XXXX document upload web site. XXXX stated they had received the deletion letter. XXXX stated that XXXX XXXX XXXX normally doesn't include an AUD control number on a deletion letter. XXXX  stated that XXXX needed to provide their XXXX rep with the AUD control number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Radius Global Solutions LLC
State: MI
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 received a notification that I had an collection on my credit report. Upon looking I noticed that I had fraudulent inquiries and a collection from Radiusglobal opened up in XXXX for XXXXXXXX XXXX XXXX I also have been trying for over a year for transunion to remove XXXX  off of my report. XXXX and XXXX also have accounts that don't 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 explanation
Consumer complaint received 2019-06-25
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XX/XX/19, a balance for XXXX dollars was reported on my credit report by AR RESOURCES INC. Account # XXXX. The Original Creditor XXXX XXXX XXXX OF FLORIDA. I was never told I would be sent to a collection agency without an opportunity to dispute. I did not receive any document from this credit agency regarding this account. This collection agency reported me to the credit bureau without even attempted to contact me regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: OK
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:
I sent my letter off. I told the credit bureaus to " Names, Addresses, and Phone Number '' on my credit report. I have listed below. Also I have attached the letter I sent out.

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 2019-06-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX fromXX/XX/2017 

I've tried Experian to remedy this situation, but it's been to no avail. Everytime I dispute this they say it comes back verified from the court? But I contacted the court and they informed me that they dont give out any information to the credit bureaus. It also said that the Information was verified through XX/XX/XXXX, a third party. Well I have myXX/XX/XXXX file and it shows noXX/XX/XXXX on there. I will be uploading those documents. If this cant be resolved, I will be forced to pursue further actions, notwithstanding legal procedures against the Experian credit bureau.

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 2020-04-29
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Acceptance Corporation had a lien placed against our home. The debt was placed with an attorney. The debt was paid via wired funds to the attorney from the closing of my home. I emailed, and requested multiple times to the attorney to please have it removed and documented through the courts and they took weeks to document it. I just reviewed my credit and my wife 's credit and found out every month Credit Acceptance is posting to our credit " repossession '' and " no payment made ''. They do this every month. This debt is from XX/XX/2015. I would like to have all of the reporting removed from my credit. It has been paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: PA
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 accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 explanation
Consumer complaint received 2022-08-05
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
To Whom it May Concern I have right to privacy under FRCA LAW I am writing this letter of my own free will and accord. It has come to my attention that there are inaccuracies on my credit reports and FCRA law commands that they either be verified 1. Provide validation of the debt, that is, the actual accounting.

2. Verification of their claim against you, that is, a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 

Lastly please remove the following collection accounts from credit reporting : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary

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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$180.00}

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 2021-07-08
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by _____ immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Experian Information Solutions Inc.
State: AL
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 submitted application for a car loan in XX/XX/2017, and now I have like 20 inquiries. This is largely impacting my ability to obtain ANY credit. I did apply for credit and I do understand one inquiry, but please remove all these inquiries. I am trying to get a home loan and this is hindering 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 explanation
Consumer complaint received 2019-06-25
Company: CL Holdings LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Jefferson Capital bought XXXX XXXX bought XXXX XXXX, And XXXX XXXX already removed the accounts from my credit file, because they were past the statue of limitation. XXXX will not remove the accounts ; they do not even own the accounts, anymore, so they are being reported, twice, including with XXXX XXXX and should not have been reported, when acquired, due to the statue of limitation. Jefferson claims a payment was made, around the 8th year from the account being opened ; they can not provide proof of payment. I NEVER made a payment, so the delinquency date is incorrect. These accounts NEED to be removed from my credit reports. Most of them were opened in 2006, and a payment has never been made. They are private loans and are being treated as Federal, also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: SinglePoint GI
State: KY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Wednesday XX/XX/2021, I received a call from General Revenue Corporation. They asked me to verify personal information without giving me any information, to which I declined due to the increased phishing and scam attempts due to COVID. Without verification they could not speak to me. That was the end of that conversation. A couple of hours later, I received a call from a previous boss that general revenue corporation had contacted him attempting to get information about me. The representative went as far as insinuating he is my husband and proceeded to tell him that if he could confirm that she would discuss the matter with him. This made him extremely uncomfortable. Not only that, they contacted his mother. I understand harassing me, but my bosss mother? They left a voicemail for her leaving a reference number for her to call. I called them and asked them to cease all contact, because what they were doing was not legal. The representative denied the allegations and did not care that I asked them to the discontinue their attempts to contact third parties. I told the representative at general revenue Corp that I would be taking care of the matter ( they insisted I consolidate my student loans, which I have completed ). However, even after speaking to them they proceeded to call others, this time my brother and mother, and also called my workplace. I have been beyond patient with them, but general revenue Corp has crossed so many lines. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

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 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on 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 2021-07-07
Company: I.C. System, Inc.
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Well with all do respect, I did twice talked to the XXXX in XXXX XXXX XXXX Utah about this when it first came out asking them to help me removed/fixed because it was not mine and i was told they were going to looked at it and let me know but they never did. Then i received letters from collection companies to pay more than XXXX XXXX dollars of medical bills which does not belong to me and i have called the collection company ( IC System Inc ) twice asking to dispute because it was not mine, I remember asking twice for disputing of the same claim and so far nothing has been done to it. This is within the last 5-6 years I think and still today its been ruining my Credit Report.

IC System Inc collection company. 
So please Im asking for help to see if this can be removed off of my credit report as soon as you can with all do respect, appreciated.

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 2018-10-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX, XXXX. DID NOT PROVIDE DISCLOSURES, AGREEMENTS OR SIGNATURE CARD AT THE TIME I OPENED MY ACCOUNT ONLINE XX/XX/XXXX. AFTER CHASE CLOSED MY FEDERAL BENEFITS EXEMPT ACCOUNT ON XX/XX/XXXX I RECEIVED SEVERAL LETTERS FROM CHASE REFERENCING A DEPOSIT AGREEMENT THAT I NEVER RECEIVED. I DO UNDERSTAND THAT CHASE HAS AN OBLIGATION TO PROVIDE THIS INFORMATION WITHIN 30 DAYS OF OPENING THE ACCOUNT. IN THE FUTURE CHASE BANK MAY WANT TO SEND DEPOSIT AGREEMENTS, SIGNATURE CARDS AND DISCLOSURES IN SUCH A WAY AS TO ENSURE PROOF OF CONSUMER RECEIPT AND ACCEPTANCE. THIS WOULD BE ESPECIALLY RELEVANT TO A CONSUMER WHO HAD OPENED THEIR ACCOUNT ONLINE AS I DID. 

I RECEIVED A SIGNATURE CARD FROM CHASE ACCOMPANIED WITH A LETTER DATED XX/XX/XXXX. THIS SIGNATURE CARD IS MISSING MY SIGNATURE, WHICH WOULD BE REQUIRED ON THE DOCUMENT. THE SIGNATURE CARD IS USED AS A SECURITY MEASURE TO VERIFY SIGNATURE COMPARATIVES. THEREFORE THE SIGNATURE CARD WOULD REQUIRE A LIVE OR WET SIGNATURE. THE SIGNATURE CARD CHASE HAS SENT ME IS NOT RECOGNIZED BY ME AND IS NOT SIGNED BY ME. I MUST CONCLUDE THIS SIGNATURE CARD SENT TO ME WAS CREATED AS A FICTITIOUS DOCUMENT IN AN ATTEMPT TO DECEIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CITIBANK, N.A.
State: NY
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:
Your company is currently reporting to 3 credit bureaus that I applied for credit with your organization. I did not grant you authorization to review 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 2021-07-08
Company: EQUIFAX, INC.
State: MI
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 disputed this item 2 twice once back in XXXX a second time in XXXX with XXXX  XXXX/Bank CC 'd, Equifax claims that the item is legit ... ... However I also directly emailed XXXX  XXXX  on XX/XX/XXXX of this year. I received a letter in the mail stating the item will be removed, which indicates Equifax DID NOT verify the item with the furnisher. ( See attached. ) The hard inquiry from XX/XX/2020 SHOULD BE REMOVED.

Company response to consumer: Closed with explanation