BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-12
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I keep getting calls about my debt and I am going to go to jail and be sued. They keep reporting on my credit as well that it is delinquent. This account has been satisfied years ago. They won't stop.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was opened with Barclays fraudulently, and I opened an investigation with the vendor. I received a confirmation letter from Barclays on XXXX XX/XX/2022 and it stated that the fraudulent account would be removed from my credit report within 30 days ; and it was not. Two months later it was still showing on my credit report. I reached out to Barclays about the situation, I was transferred between numerous departments without resolution. A representative informed me that they were unable to update the credit report.

After receiving the fraud confirmation letter ; 3 days later I received a collections letter from barclays.

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 2019-10-12
Company: PMAB,LLC
State: SC
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 am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
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:
Filed identity theft report with federal trade commission and mailed copies with notice to furnishers to all three credit bureaus. I have also filed for settlement and found eligible from Equifax data breach in 2017 where my information was compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05
Company: Resurgent Capital Services L.P.
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:
I requested debt validation and they failed to send enough information. They are still reporting 2 accounts on my credit without properly verifying the debt. They simply sent a summary of accounts which fails to properly validate the accounts in question. LVNV Funding LLC have 2 accounts one with an amount of {$430.00} and another in the amount of {$800.00}. These account summaries are dates XX/XX/2019 and they have yet to remove these items without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My insurance XXXX XXXX XXXX recently paid off my medical bills on a 3 way call with the creditors. They was informed by my insurance company that they wasnt supposed to bill me because I have Medicaid and we was told on the phone call it would be removed in 30 days after it was paid. I have disputed these claims multiple times and it either comes back accurate or verified. This is becoming a issue on my credit report I was never supposed to been billed in the first place.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/2019 I have been receiving unwanted harassing telephone calls on my cell phone from a company called Midland Credit. I have been called from ( XXXX ) XXXX on XXXX at XXXX XXXX and again on XXXX at XXXX XXXX, after which I blocked the number, as I do not have any debts and don't even have a credit card. Since then they have called me from ( XXXX ) XXXX on XXXX at XXXX XXXX  ( blocked ) and just this morning from ( XXXX ) XXXX at XXXX ( also blocked ). This company has a notorious record of harassing innocent people seemingly at random with daily unwanted and unnecessary phone calls. They don't even leave a message so I don't want to have any direct contact with such unscrupulous people. I want this stopped and if they don't stop these calls I want to go on record that I feel I deserve financial compensation from them for enduring this abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX believes that I should have been notice from XXXX XXXX XXXX XXXX that there was a balance to my account. I simply have no idea how this balance could be so large. However, XXXX is a public utility, and they are governed by a state public utility commission, not by federal Fair Credit Reporting law. Accordingly, I request a full accounting of the XXXX debt, in addition to a signed agreement or assignment from XXXX to XXXX XXXX XXXX XXXX XXXX If there was never a true assignment, then the collection has to start from scratch, and I must be given notice that XXXX intends to turn the matter over to a collection agency. This item should go through the proper legal procedure before its placed back on any of my credit reports. I request XXXX and Experian to mandate from this subscriber to follow the proper collection procedure as stated in FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

THIS ITEM NEEDS TO BE DELETED AND GO THROUGH PROPER PROCEDURES AS MANDATED THROUGH THE SUBSCRIBER AGREEMENT XXXX HAS WITH EACH CREDIT REPORTING AGENCY!

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 2022-04-25
Company: Paramount Recovery Systems, L.P.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states consumer reporting agency can not finish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose Original Creditor : XXXX XXXX XXXX Amount : {$2500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an incorrectly reported payment on my XXXX XXXX report for XXXX of XXXX. I contacted XXXX XXXX and they agreed to remove the late payment. They contacted all 3 Bureaus and it was removed. A couple of weeks later Equifax put the late payment back and now refuses to remove it. I sent them a copy of the letter XXXX XXXX Sent me as a " letter of credit '' removing the late payment and had XXXX XXXX send them another request and they have not removed this payment yet. XXXX and XXXX  removed the late payment with no issue and have not attempted to place back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Resurgent capital services since 2021 XXXX in the amount {$420.00} has been trying to collect payment on a debt that was never mines. I have written them twice asking for verification of debt. Both occasions they have yet to provide proper documentation to validate. My consumer credit report has been greatly damaged & affected my ability to aquire a home or a automobile. 

Please resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: Account status incorrect

Complaint:
The loan with XXXX was paid on XXXX, however it continued to be reported that I had 2 auto loans out at that time. My FICO score was well over XXXX prior to getting the new loan. My score is in the mid XXXX now! Apparently the other two credit bureaus have NO SCORE for me according to your site that I was just on? 
What in the world is going on?? I can not even attempt to purchase anything with this XXXX  score!! 
Do the 3 bureaus share information?

Please help!! Thank You

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 2019-10-12
Company: Experian Information Solutions Inc.
State: OH
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 have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX. XXXX my SS is XXXX, my DOB is XXXX the following addresses are not accurate please remove/delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2017-10-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX believes that I should have been notice from XXXX XXXX XXXX XXXX that there was a balance to my account. I simply have no idea how this balance could be so large. However, XXXX is a public utility, and they are governed by a state public utility commission, not by federal Fair Credit Reporting law. Accordingly, I request a full accounting of the XXXX debt, in addition to a signed agreement or assignment from XXXX to XXXX XXXX XXXX XXXX XXXX If there was never a true assignment, then the collection has to start from scratch, and I must be given notice that XXXX intends to turn the matter over to a collection agency. This item should go through the proper legal procedure before its placed back on any of my credit reports. I request Equifax and XXXX to mandate from this subscriber to follow the proper collection procedure as stated in FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

THIS ITEM NEEDS TO BE DELETED AND GO THROUGH PROPER PROCEDURES AS MANDATED THROUGH THE SUBSCRIBER AGREEMENT XXXX HAS WITH EACH CREDIT REPORTING AGENCY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: OPORTUN FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
OPORTUN XXXX XXXX XXXX  fraudulently opened a credit card in my name. I have since forced them to close the credit card which I never activated as I did not want their credit card. However, the {$25.00} annual fee was not removed. I called on multiple occasions to have the fee removed and was assured that it would be removed, even here on the CFPB 's online platform in a response to my complaint from OPORTUN XXXX 

Yet today I received an email notice claiming that the annual fee as due! 

Hi XXXX, Your Oportun XXXX XXXX XXXX payment of {$25.00} is due today. There are many convenient ways to pay : Online If you have an online account, log in. If you dont, you can create one today to pay online with your checking, debit card, or savings account. 

By phone Call XXXX to use your checking, debit card, or savings account for a one-time payment, or set up automatic payments. 

In person Pay in cash at any XXXX location nationwide, including inside XXXX and XXXX. Bring your Oportun account number. Use receive code XXXX. 

To learn more about your payment options, visit Oportun.com/payments or call us at XXXX. Online and phone payments must be made by XXXX XXXX to credit account same day. 

Impacted by COVID-19 and worried about making payments? We can help. Call XXXX. 

Thank you, Oportun Oportun XXXX XXXX XXXX XXXX XXXXssues by XXXX, Member FDIC I immediately called Oportun Visa, and was told by a customer representative named XXXX, that the fee had not yet been waived although the account was closed and that she had pressed the button to commence the process of removing the fee! 

Due to the fraudulent action of this company in opening an account against my explicit instructions not to, and their demonstrated incompetency in removing the annual fee to date, it would prove imprudent to trust their ability and or willingness now. Therefore, I am submitting again a new complaint against them for their continued fraud against me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-18
Company: FC HoldCo LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - 30 Day Late XX/XX/XXXX - 30 Day Late ; XXXX/XX/XX/XXXX XX/XX/XXXX 60 day late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2021-03-24
Company: CITIBANK, N.A.
State: CA
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:
I have 3 credit card accounts with Citi Bank and need to refinance my home to pay off the balances. Citi BankXX/XX/XXXXrevised my revolving credit and decreased the available credit due to the following reasons : ( 1 ) late payment ( 1 Day ), Paying low portion and balance is high. I paid the full balance and closed one account. Before the Pandemic my credit score was XXXX and I paid all of my accounts on time. My business is struggling during Covid 19 and I was late ( 1 day ) making a payment on my Citi credit card due to a client paying late on an invoice. 

Citi Card will not lower my interest rate and decreased my credit balance which caused my credit score to go down. Because of Citi Card unfair credit practices I am forced to pay a high interest rates and can not pay off the balances on my accounts.

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 2022-04-26
Company: EQUIFAX, INC.
State: OH
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 received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following:XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
I have sent verification showing the owner agrees that I was not a co-signer I have filed identity theft I have had this account removed several times and this account is no longer owned by the company that started this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following:XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, OH 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 2017-07-06
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
By law if you apply for a loan after 30 days of not using the funds the loan would be return.
I opened my first loan with XXXX XXXX which I attended for a short period which I believe the school applied for more than needed and pocketed what was extra. XXXX XXXX as well should of return to XXXX XXXX XXXX XXXX XXXX  apply for loans that I did n't need. I tried battling to get my money back and later the school closed.
No I have a lot of loans showing closed paid and they are reporting as duplicate and it 's really hurting my credit.
If the loan we transfers old information should be removed reporting what is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Mother informed today XX/XX/2019 that the company PDM located in Florida called her regarding a debt for me. This company has previously called leaving messages sometimes or just calling with no message as to who they are and the matter. 

I called the company today to inform them to stop the calls to me and my mother and I would only like mail correspondence. The rep, XXXX XXXX, said okay and gave the explanation of how it would effect my credit which is fine and I told him I understand and to mail the statement. He continued to go on about taking care of it now and I told him AGAIN to mail it to which he responded " That's stupid I don't understand how that makes any sense, good luck. '' I don't care what he thinks but professionally that is not how you speak to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 requestsed and got a pre-approval for an auto loan from Captial One. I found a car at XXXX  XXXX XXXX and went to purchase the car. I Gave them the approval letter and they told me they had to run my credit again and I gave them approval. Unknown to me, they ran my credit multiple times with multiple lenders. I already had my loan approved and they used capital one as the lender and I never gave approval to pull my  credit multiple times since I was already pre-approved.

Company response to consumer: Closed with explanation