BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV is attempting to collect a debt that was already paid to the credit card company. Also the credit card company is removing the debt from my account. LVNV  is definitely trying to collect on something is zombie debt and charging the wrong amount that were attempting to collect debt and they continuously keep going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion : you violated my rights { 1 } did not remove account while under investigation { by law you had to } { 2 } reporting verified with inaccurate information { past Due } { 3 } collection can not report as open account } because you verified as accurate validate this account Your name and contact information, Your employ ID #, who you talked to what was said { in Detail both parties verify this account as accurate their name and contact information the time and date, any associates that you talked to their names contact information, time and date .their employ ID # copy of original contact with my signature { not a letter from XXXX XXXX a copy of original contract from XXXX XXXX with my signature, who is the original creditor on this account their contact information because that to is { fraud } the account states XXXX under15U.S.C. 1602 { f } my social Security card was used in this account that make me the original owner with full power over this account credit the term credit means { the right granted by the creditor to a debtor to derfer payment to incur debt and offer its payments NO WHERE DOES IT STATE A DEBTOR IS THE ORINGINAL CREDITOR 15U.S.C.1611 { c } false or inaccurate information YOU 15U.S.C.1681 { a } { 2 } in accordance with the written instruction of the consumer to whom it relates 15U.S.C.1692 { c } with out prior written consent of the consumer this will be forward to the XXXX  and my attorney if need be theirs a lot of violations 30 day from this date by law

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 2018-06-14
Company: SUNTRUST BANKS, INC.
State: MS
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:
XXXX  and SUNTRUST have repeatedly removed the SUNTRUST BANK CARD MEMBER S account from " Included in Chapter XXXX Bankruptcy '' status to negatives statuses and now they are reporting it as an " OPEN ACCOUNT '' and both agencies continue to re-age the " Date Reported : XX/XX/2017 ''.

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 2018-06-06
Company: ERC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX company will not have their company deleted from all 3 of my credit reports. These debts have been settled and closed. I was told after I settled they would be taking off my credit reports and they have not done so. I've tried calling and disputing to the company it self and the credit bureau 's. Nothing has be done. These accounts are negative on my reports and its hurting my scores. They were placed on my reports on XX/XX/XXXX and XX/XX/XXXX for XXXX   and XXXX phone company 's. I have tried everything I can to get these deleted any help would be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Experian Information Solutions Inc.
State: NV
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:
Experian did not provide me with their method of verification requested on XXXX XXXX after receiving the results of a reinvestigation for XXXX acct # XXXX. Under the FCRA I had the right to request after the reinvestigation, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. Experian instead sent me an E-Oscar automated generic message that did not meet the FCRA notice of results of reinvestigation ( see below ) or my request. This is the same message they sent me for other request to reinvestigate and after they reinvestigated, I requested their method and verification and each time this is the exact same notice I receive. It neither includes : a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

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 2018-04-10
Company: EQUIFAX, INC.
State: AL
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 am disputing the Inquiry on my Equifax credit report from XXXX on XX/XX/2017. On that day, I called XXXX to obtain pricing. The representative I spoke with kept pressuring me to sign up that day. I explained numerous times that I would not be signing up that day. He continued to pressure me, stating that if they ran my credit that day, I could be immediately signed up. I told him several times that I did not consent to this inquiry and finally hung up on him. He tried calling me back at least 3 times but I didn't answer. Within 5 minutes of hanging up, I received an alert that XXXX has posted an inquiry on my Equifax report. I immediately contacted XXXX to alert them and I received the attached letter from XXXX stating they agreed that the inquiry wasnt allowed and would remove it from my report. Since XXXX, I have tried various ways of disputing this item through XXXX and Equifax. I've actually filed 3 disputes with Equifax ( by mail and online ) ; however, each dispute has been completed without Equifax contacting XXXX. I've tried contacting both companies on XXXX but haven't had any luck. Anything you can do to assist would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/21 my sister XXXX XXXX, cancelled order XXXX placed same day at XXXX for {$48.00} for 1st payment on XXXX XXXX carpet cleaner. The funds released to our bank, but Paypal is deliberately keeping authorization open to prevent me from closing the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/XXXX the following accounts were taking off my credit report 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 On XX/XX/XXXX all the items were put back on credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. 
I received no such notification. This is very serious violation of the FCRA. These items need to be removed off of my credit reports immediately.

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 2018-04-10
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2018 at approximately XXXX XXXX ( eastern ), I ( XXXX XXXX XXXX ) called LJ Ross ( XXXX. XXXX XXXX , XXXX, XXXX XXXX, XXXX, MI XXXX, XXXX ) and asked to speak with a supervisor. I was transferred to a supervisor by the name of XXXX. I related to XXXX that I was unhappy about the communication that one of his representatives had with my father ( XXXX XXXX XXXX ). I advised XXXX that someone called my house last month and that they shared the debt amount ( {$1600.00} ) and the debt originator ( XXXX XXXX XXXX ) with my father via oral communication at my home phone number of XXXX. 

I asked XXXX to research who made the call, XXXX stated that the call was made by XXXX on XX/XX/2018 at XXXX. I then asked him why they would share that information with my dad. XXXX said that my dad must've said he was me. I advised XXXX that my dad would not do that. 

I then asked him that when I call the XXXX # to call in, that I am asked to verify my LJR Account # ( XXXX ) and the last four of my security number every time. And I asked him why his representatives when calling out, don't follow that same practice. XXXX stated to me that he was unaware that the touchtone prompts at the XXXX # ask for a persons last XXXX of their social and then said that they do verify name and addresses, but don't always verify the date of birth or social security number when calling. 

I am highly upset with their practices and sharing the information with a third party. As I informed XXXX that it severely impacted my relationship with my father and that because of this ; I will be filing a complaint. He said that he will look into it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 2019-01-26
Company: Experian Information Solutions Inc.
State: IL
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 disputed these unauthorized inquiries months ago, however, the credit agencies investigation came back verified. Now I'm requesting the Method Of Verification, who verified these inquiries, and I'm requesting the physical documentation of verification or as stated in the FCRA, if not then these following inquires shall be blocked/ removed. 

1 ) XXXX ( XXXX ) 2 ) XXXX XXXX XXXX  ( XXXX ) 3 ) XXXX  ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX XXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) ( XXXX ) 9 ) XXXX XXXX ( XXXX ) ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX  ( XXXX ) 12 ) XXXX XXXX ( XXXX ) ( XXXX 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX  XXXX ( XXXX ) 15 ) XXXX  XXXX ( XXXX ) 16 ) XXXX ( XXXX ) 17 ) XXXX XXXX ( XXXX ) 18 ) XXXX  XXXX ( XXXX ) 19 ) XXXX  ( XXXX ) ( XXXX ) 20 ) XXXX XXXX XXXX ( XXXX ) 21 ) XXXX XXXX ( XXXX ) 22 ) 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 2021-02-12
Company: North State Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Bought vehicle in 2014. Voluntarily returned vehicle less than a year later due to poor condition and the cost to repair compared to value of vehicle. The vehicle had been repossessed from the previous owner and had not disclosed activity. The company then sold vehicle at auction, then charged off the account. Years after charging off account they updated a new balance on account with a different balance. XXXX  has done nothing to fix this. The company keeps reporting every month that the debt is charged off but a balance remains?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I paid off my small car loan last year and Experian still shows it open and not paid. I have disputed it several times with them and 6 months later there is no change. XXXX XXXX did it within 2 weeks.

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 2017-12-08
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX IS LISTED ON MY CREDIT REPORTS AS XXXX AND THE STATUS IS INACCURATE ( SEE ATTACHED GUILDLINES ) LAST 3 DISPUTES TOOK 45 DAYS AND EXPERIAN FAILED TO DELETE AND STARTED A NEW DISPUTE ON TOP OF OTHER. 

PAID IN FULL, CLOSED TRANSFER S/B STATUS AND REPORTING HISTORIES ARE WROUNG.

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 2017-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
When I deposit my cashiers checks, Bank of America puts at least a 10 day hold on the checks. This happens every month. I 've call, but it has n't helped. 

On XX/XX/XXXX, I deposited 3 cashier checks. Two for {$1000.00} and one for {$300.00}.

They held two of them for 3 days, -- ( but when I looked at my statement, they make it look like those two checks were released on the same day - of XX/XX/XXXX, but that is not the case. They actually did not release them until the XX/XX/XXXX ) -- then added them to my account in the amount of $ XXXX While keeping a hold on one of the {$1000.00}. check. According to my current bank statement, that hold will be lifted on the XX/XX/XXXX. 
That is a 10 day hold. 
In the passed, they have held it for longer than that.

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 2020-09-14
Company: EQUIFAX, INC.
State: MA
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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
State: NJ
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 am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have multiple inquiries on my report that i have no idea you authorized them to pull my 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 2023-01-21
Company: Southwest Credit Systems, 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:
My information was hacked from a numerous businesses, which sent me letters about it. Southwest Credit system called me while I was at work in XXXX, I ask the representative to send me information about the debt because I never did business with XXXX. The representative stated that she would and I verified by address. Then the next thing I see is that they put it on my credit without send any communication and no verification of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
These inquiries were fraudulently done and they were not made by me. I need them removed off of my credit ASAP. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I filed a dispute on XX/XX/ 2020 due to a cancellation of a reserved trip because of COVID-19. I have paid {$1800.00} in monthly payments and have proof of the payments being charged from my account. On XX/XX/XXXX, I was denied to receive my money back due to my bank not being able to contact the merchant. The merchant has shut down their website and there's no way to contact them. 
My bank, Wells Fargo will not agree to these transaction to return the money.

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