BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, 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 filed BK Chapter 7 and added XXXX XXXX into Chapter 7. I received my discharged letter from the courts. XXXX XXXX is still updating my report showing amount increasing as well as days late and now delinquent on my credit. I have submitted disputes but for some reason, they are continuing to update my credit with the incorrect information. Here 's my final letter to them and no response. 

Dear XXXX XXXX XXXX : XXXX XXXX is showing an increased balance on Account Type/ Account for Loans on my credit report. This account was updated by Equifax and XXXX as discharged in UNITED STATES BANKRUPTCY COURT, Case No. : XXXX Chapter : 7. For some reason it was then changed back to an amount owed as $ XXXX 90 days late. 
Aren't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act? I am in the process of taking legal action as you are constantly updating my credit report and not adhering to the UNITED STATES BANKRUPTCY COURT decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX Southern Credit Recovery sent a latter responding to my dispute letter saying I need to provide more information about the false debt I owe and the only information I have is their name and address. How can they report false information on my credit and they can not even provide me the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 contacted the police and FTC for assistance with this issue, now I'm contacting you all for your help as well. I'm looking to buy a new car in the next few months. So I had my credit report pulled just to see what I qualify for. Unfortunately, I discovered items on my report that are absolutely NOT MINE. Please remove these accounts listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
INQUIRIES TOO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-10-10
Company: Kriya Capital, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A debt collect by the name of Credand Resource Management is on my credit report. I do not know this company nor have had the right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Financial Recovery Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Financial Recovery Service INC. PursuIt to 18 USC 8, I owe NO debt.This company is violating my consumer right to privacy pursuant to 15USC 1681 b2. This company also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4 as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: EQUIFAX, INC.
State: FL
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 REVIEWED MY CREDIT REPORT AND FOUND AN ACCOUNT THAT WAS PLACED ON MY CREDIT THAT I HAVE NO KNOWLEDGE OF. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX/XXXX  XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Ive called each company and they said to call the bureaus to remove and they have not been removed..

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 2020-10-08
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019 at XXXX XXXX, I transferred XXXX XLM from my Blockchain account to my coinbase account. I didn't add a memo due to it being labelled ( optional ) but realized it was needed when I sent the money over. I contacted coinbase and they said they would resolve this issue and have my money in my account within 5-7 business days. It is now XX/XX/XXXX and still no reply or money added to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Bread Financial Holdings, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity bank has called me daily 4 or 5 times a day. They have resorted to calling my daughters, son, boyfriend and his mom to get my info. They reported in XXXX that they did a charge off and yet still called me. The last I heard from them was the end of XXXX. Before that it was from XXXX am until XXXX pm. It was usually unknown number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying an extra {$60.00} dollars each month on my student loans, set up on Auto Pay for at least the past year in an effort to pay down my high interest rate private student loan. I just discovered that they stopped takign the additional overpayment effective this month. I went online to see why my extra payment was no longer coming out of my account, and found the following info from the Navient website. Apparently they don't want anyone to be able to easily pay down their loans faster than scheduled : How do I enroll in Auto Pay, or increase my Auto Pay amount? 
Select Auto Pay in the navigation menu to enroll. 

Your recurring Auto Pay amount can't exceed your monthly payment due at this time, but you can pay more on a one-time basis by selecting Make a Payment in the navigation menu and specifying an additional amount for any loan enrolled in Auto Pay. 

This is gargabe. I need to be able to easily allocate additional payments. Having to remember to login each month just to make an added payment is cumbersome, and this change is new. What gives Navient? Give us a chance here!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: CITIBANK, N.A.
State: NY
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:
When I pay my stated balance in full the company adds additional interest the balance between the statement and due date. They then round up that amount to {$2.00} per the agreement and charge me that amount on my subsequent statement.

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 2019-07-13
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To Whom It May Concern, I am writing to report the closing of my Citibank XXXX XXXX Advantage credit card account. The basis for closing was that my credit union rejected the payment request by Citibank. My credit union denied the payment because Citibank listed my wife as the primary card holder when in fact she was an authorized user. I attemped a {$1000.00} online payment to my Citibank credit card on XXXX, 2019, which was rejected. My credit union checking account does not include my wife on the account and therefore rejected the request by Citibank. I contacted my credit union and was informed what occured. I was told to have Citibank correct the card holder information. Once corrected, the credit union could process future payment requests. I tried to resolve the issue with multiple Citibank phone representatives who could also see that my other Citibank Thank you card which was linked to the same checking account was paid on the same day without a problem. I explained what my credit union had told me was the reason for the payment rejection. I was told that they could not reopen my account because that was Citibank policy. They were all sympathetic to my situation as they could see that the rejection was not based on insufficient funds. I explained to them that this unilateral action by Citibank was unfair because I had no liablity in the situation. My credit report score has dropped since my available credit has been reduced. The two financial institutions were not communicating and I was punished by having my credit card account closed. As a consumer, I believe that my rights were violated because I was denied any due process to resolve this issue before my account was closed. I do not believe the facts support a basis for closing my account. Therefore, I am writing to CFPB for assistance in having my account reopened.

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 2021-08-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2021-08-17
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I'm filing this complaint on my own behalf with no involvement from a third party. Despite my repeated written requests, the unverified accounts listed below continue to appear on my credit report, in violation of federal law. 

The XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame required by law, and continued to report erroneous information, which now appears to be willful negligence and non-compliance with federal statutes, despite my attempts to address it directly with the creditor. 

PLEASE REMOVE THE FOLLOWING FRAUDULENT ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX Balance Owed : { {$2300.00} } - US DEPT ED XXXX Balance Owed : { {$3900.00} } - US DEPT ED XXXX Balance Owed : { {$3800.00} } - US DEPT ED XXXX Balance Owed : { {$4100.00} } - US DEPT ED XXXX Balance Owed : { {$5200.00} } - US DEPT ED XXXX Balance Owed : { 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 2021-02-20
Company: SOUTHSTATE CORPORATION
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I filed XXXX XXXX Bankruptcy and the plan has been court approved. 
For creditor, South State Bank, the Court approved terms are listed as follows : " Unsecured claim '' amount of {$53000.00}, claim to be paid over a 60 month period with 0 % interest, which results in payments of {$890.00} per month. 
My case has been administratively closed and I started making payments to South State Bank according to the court approved plan in XXXX of XXXX. 
All of the payments I've made to date have been cashed but I haven't received any statements from the bank. I called South State Bank 's XXXX number to request statements be sent to me but haven't received any. 
Now the South State Bank 's 1098 mortgage interest statement has the incorrect principal amount of {$230000.00}. This error is causing delays in filing my tax returns with the IRS. 
In addition to this complaint, I will be sending a " Qualified Written Request '' reporting the mistakes and asking the bank to correct them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: SYNCHRONY FINANCIAL
State: ME
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 just checked my credit report, and Synchrony Bank took over my PayPal Credit account on XX/XX/2019. My first on time payment to them was for {$170.00}, made on XX/XX/2019, and came out of my bank account on XX/XX/XXXX. 

Prior to that, they WERE NOT the servicing company, and I did not have a relationship with Synchony Bank as part of PayPal Credit until XX/XX/2019. 

On my credit report, they are reporting data from both XXXX and XX/XX/2019, at which time, they did not service my account. In particular XX/XX/2019, shows I was 60 days late with them, which is false, as this was not their account at that time. 

I want the reporting to be corrected, showing that starting when they took over the account on XX/XX/2019, I have been current with them. The reporting from both XXXX and XX/XX/2019 is clearly false, and represents misinformation as the they were not the owners nor did they service said account. Reporting on prior information is clearly a violation.

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 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 reached out to Transunion in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Transunion claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to TransUnion seeking proof of this debt : Transunion XX/XX/2020, XX/XX/2020 and XX/XX/2020. Transunion continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 


The account number is XXXX ( {$3000.00} )

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