BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collector engaged in the unlawful, abusive, deceptive, and unfair practice of the FDCPA which it prohibits. They furnished this account that I don't agree with and I didn't sign an agreement or any legal contract. A contract is an agreement between two people and I did not participate in any contact with this company. They did not follow the proper process of validation, which makes these unfair practices according to FDCPA. In addition, I am entitled to $ XXXX for this violation. 

An FCRA violation refers to a violation of a federal law that regulates that collection discrimination and use of consumer discrimination and use of consumers regulation agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I recently received a bill for XXXX XXXX dollars from capital one. 
The cost of renewing membership with XXXX XXXX. 
I never applied for a capital one credit card nor did I activate a card. 
When I joined XXXX XXXX I agreed to the automatic renewal.I received a XXXX XXXX credit card which I activated. 
XXXX change to capital one. 
I never heard from capital one.i assume that was the end. No further action required on my part.I was not going to renew anyway. 
I dont believe capital one should have accepted a charge on a card that I never received or activated. 
Talking with capital one staff lets say they just wouldnt listen. They seem to think that XXXX has the authority to open a credit card account on my behalf. That wrong! 
Capital one also had access to the business that I had conducted with XXXX XXXX. I dont think that should happen either. 
This account should vanish with any effect to my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I requested to see the signature that the original creditor has that i became a debtor agreeing to pay this debt. i want to see the bonding insurance you have to collect as a collector incase i choose to pursue further legal action. I want to see the chain of title exist that this debt has from the original creditor to the collection agency that's now reaching out to me. I want to know the date and the amount of money that i officially became in collection with this particular company. i want to see these things because they are alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Pursuant to 15 U.S. Code 1681b and Pursuant to 15 U.S. Code 1681e ( b ) there is inaccurate information being reported. The bureaus keep validating the debt but the information is incorrect and needs to be deleted! 

The account is XXXX XXXX The balance reported is wrong the payment history is wrong across all XXXX bureuas. I dont want it validated it needs to be deleted due to it being reported inaccurate violating my consumer rights. 

Their are incorrect names and addresses also. 
My name should only show XXXX XXXX XXXX My address should only show XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company is trying to collect a debt that is not mine. Company is showing a debt for a XXXX electric bill from XXXX XXXX. I have not had an account with this company since XXXX XXXX, and account was paid in full. I also have not lived at this address since XXXX XXXX. It was an apartment I was renting.

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 2023-10-01
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Originally called in XXXX because payments were showing start date of XXXX. Talked with rep and created ICR plan and received clarification on payment start dates. Yet Mohela app continued to state payment start date of XXXX I had to call right before XXXX for clarification again. 
Contacted them XXXX with questions regarding XXXX plan. On the phone with a rep for 20 minutes before they informed me they're in training where I was then put on hold multiple times while they're conferring with someone else. The whole time I'm getting conflicting information until finally they transfer me to an experienced rep. Ask about SAVE plan vs ICR. Information was pretty confusing but eventually got it figured out. Rep informed me of using adjusted gross income. Updated income and rep told me they could take my statement of income and informed me of new monthly amount then stated it could take some time to process the change. On XXXX I get a notice from XXXX stating they need more time to research this request. Even though same notice states per Illinois Student Loan Servicing Act they have 14 days to inform me of this.. On XXXX I receive correspondence from XXXX that my request is being processed. Also on XXXX I receive notice from XXXX I'm put on administrative forbearance where my daily interest will continue to accrue and capitalize, payments are optional, and auto-debit will be suspended including the .25 % interest reduction. On XXXX received notice from XXXX stating interest not capitalized during XXXX Payment Pause. Same notice states interest will not be added to my balance after payment pause ends but also if interest remains unpaid it will be added to the balance after the payment pause.. 
On XXXX I get correspondence from XXXX of my new payment amount which is not at all what the rep told me. This notice states payments are optional until due date but that if I was on a payment plan prior then I have to make those payments.. 

Correspondence seems to be lacking accurate information and is extremely delayed. Hard to figure out what is even going on with my payments. When I tried calling in the meantime of all this I requested a call back. They called back and I answered. I was immediately put on hold without speaking to anyone, then the call disconnected and I received a voicemail that I missed their call. Wait times are excessive and I can not get through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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:
account takeover fraud, ID theft, etc previously resolved with local police, FTC & iC3 per links below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please update to XXXX  balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months ) XXXX & 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 2018-05-23
Company: Experian Information Solutions Inc.
State: NC
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 reached out to Experian on XX/XX/XXXX. I reached out via USPS letter. I also called. In the letter I asked for them to verify debts from XXXX XXXX XXXX. I asked for them to provide me with all documentations that had on file as of XX/XX/XXXX that were used to verify these fraudulent accounts, I asked for the name, number and address of the person who personally verified these accounts. I received their dispute results and Experian has slapped me and the fcra in the face. They refuse to follow the basic laws. I've reported identiy theft to them. Put an ID sercurity alert and asked for the accounts and inquires that were fraud to be deleted. XXXX  and XXXX  have followed through. 

Experian believes they are above the law. I'm now demanding they provide me with everything they have in their files as of XX/XX/XXXX that was used to verify XXXXXXXX XXXX XXXX and to remove all fraudulent inquires asap. 

I will file a complaint with FTC, XXXX  and the attorney general.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-19
Company: DISCOVER BANK
State: CA
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:
I applied for a discover it credit card I was approved discover then asked for a notarized statement which i faxed and uploaded discover claims they haven't received any documents from me which is a lie

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX, I received a letter from a supposed law firm called Selip & Stylianou stating that they have a judgement against me for XXXX Plus, which they won in court for XXXXXXXX XXXX. ( I owe no one ). With that being said. I immediately call them because I never heard of nor have I had any communication with this company. I was then sent to their website where they claimed all communication between them and me were listed and documented. Upon opening these, and reading it I realized that they were being fraudulent. 1 : The address they had was an old address of mine from 12 years ago. Made me questioned if this is a legit debt, theyd have my current address on any legal forms. 2 : the letters stated that I was served in person by someone named XXXX XXXX license number XXXX. On XX/XX/XXXX at XXXX at this old address. The letter was a sworn affidavits by this server who claim to serve me, myself in person, and that XXXX XXXX saw me and handed said documents to me. 
BUT, Thats impossible because I do not live there and have not lived there since XXXX. 3 : then there was the description of me. In this letter sworn by this person, I was approximately tall then short XXXX to XXXX ( youre either or, you can not be both. Nor can a person physically see you but gaged your height so drastically far apart. Does not make sense ), my age was unsure of and I supposedly have arm tattoos. Which I do not. I have no tattoos anywhere on my body. None! So, it is evidential that this company, if licensed, shameless practices fraud in order to get unsuspecting consumers to give them money. They lied about serving me, and then used fraudulent documents to obtain this judgement. This can not continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove the following account : XXXX XXXX  account number : XXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

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 2023-06-20
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: Their investigation did not fix an error on your report

Complaint:
I was never late. I paid my first and second payment through my bank. XXXX started calling me in XXXX along with letters demanding a money gram even though my payment cleared my bank. I have paid every month up to date. XXXX ordered a repossession of my vehicle unless I paid cash through a money gram. They took my Jeep to an XXXX XXXX in XXXX Michigan. I had yo get an XXXX to go pick it up and pay cash. XXXX keeps changing my credit file. And payment history. They add charges, late fees and dont explain what they are. I have all receipts of my payments. 

This is not right.

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 2020-02-26
Company: TRANSUNION INTERMEDIATE 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:
XXXX ; XXXX and Transunion are incorrectly reporting a charge-off in the amount of {$4100.00} on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in an accident and was deemed a total loss. Consequently, the vehicle was sold at auction and sold for more than the balance owed. In addition, I had GAP insurance at the time so any outstanding balance due was paid. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

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 2023-10-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account Name : XXXX XXXX XXXX Acct # XXXX Account Name : XXXX XXXX Acct # XXXX Account Name : XXXXDept. of Education Acct # XXXX Account Name : XXXX XXXX XXXX Acct # XXXX  Account Name : XXXX. XXXX XXXX Acct # XXXX Account Name : XXXX XXXX  XXXX  Acct # XXXX Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

Section U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Several months ago my account was frozen from withdraws by depositing my stimulus check from the IRS. Capital One claims it was a check already cashed or deposited. The check WAS NOT cashed or deposited at another bank. An attempt was made to sign the check over but it was not cashed or deposited until I decided to use my capital one account. Capital One has no evidence, other than assumptions from scratched out writing, that the check was cashed or deposited at another bank. My account was allegedly closed and the funds cleared their bank but were not returned to me. This is what I was told by customer service multiple times that the funds cleared but the account was still closed and I would not receive my money. The account has been open in limbo by capital one still accruing interest in some attempt to get me to cash the check at another bank to make their story true. That WILL NOT happen, the check was deposited with capital one, cleared with capital one, I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Rental debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXXXXXX Contacted third parties and shared my debt. Attempted to fraudulently letting them believe they owed the debt instead of me. Gave them a link to pay and everything including some document about disclosures. Not sure what the documents were but they are not on the lease or liable whatsoever. They have my info and how to reach me and I had contacted them before. Regardless just like the prior company they constantly violate the law and get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: SYNCHRONY FINANCIAL
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:
DID NOT AUTHORIZE THIS INQUIRY Syncb/qvc Inquiry from XXXX XXXX, XXXX - XXXX XXXX XXXX This inquiry could stay on your report XXXX XXXX. 
See an error? 



XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX 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 2023-11-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief