BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor -Company Sold XXXX XXXX XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX , NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX They keep reporting this on my report but they say its no longer theirs I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
They restricted my account from me using my card its not fair when Ive sent them documents already before approving my application they requested and verified and mailed my new account and then restricted me again wanting the same documents this Makes no sense when Ive already provided them the documentation to verify its me when I call customer service they refuse to help this isnt fair

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Lending Club Corp
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
1. The following information was provided to me by XXXX for the XXXX XXXX account I once had. The account has been PAID IN FULL and CLOSED. The account on my XXXX credit report reflects the following : -Balance : {$360.00} -Status : Needs attention. 

2. My XXXX Credit report reflect the XXXX XXXX account was closed XX/XX/2020. This information on my XX/XX/XXXX Credit Report is absolutely inaccurate and affecting my credit score!! Please fix!!! 

( Info in paragraph below was provided to me by XX/XX/XXXX regarding my Dispute. ) >> We have researched the credit account. Account # XXXX The results are : This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. This creditor has verified to OUR company that the balance is being reported correctly. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *HISTORICAL ACCOUNT INFORMATION. If you have additional questions about this item please contact : XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX Phone : ( XXXX ) XXXX 3. I'm also having an issue with the Lending Club Corp reporting the correct information to the 3 Credit Bureaus. I paid this account IN FULL directly with Lending Club over the phone. The account status is reflected as in-collection/or charged off. I paid this account to a {$0.00} balance, therefore it was not CHARGED OFF!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.

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 2021-02-21
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
All the credit bureaus, Transunion, XXXX andXXXX have been dropping my credit scores without any reason. No changes were made to my credit report, yet, my score is being negatively impacted. XXXX  recently dropped my credit score by 4 points despite the fact that nothing changed on my report. 
After researching and speaking with my attorney, it has come to my attention that this fraudulent activity has happened to many others as well.

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 2021-01-20
Company: SUNRISE CREDIT SERVICES, 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: Information belongs to someone else

Complaint:
Account Info Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$2200.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX XXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$2200.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX  XXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$2200.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX fl XXXX phone number XXXX XXXX XXXX XXXX I have never had an account with this person : a person by the name of XXXX XXXX made these charges against me. and then stole the money for herself. She was a manager with the company at the time and stole money from the company. Then placed me and other persons in default. A criminal case was made at the time. The information such as timeframes is incorrect

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 2021-10-08
Company: ENCORE CAPITAL GROUP INC.
State: TN
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:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Good Evening, Money was stolen from my Bank of America EDD card. The money was stolen from a ATM machine in a different city then where I live. There was many attempts to with draw money that I did not authorize and notified that as well to Bank of America. Someone must had a copy of my card to steal the money. I contacted Bank of America and they refunded the money. Then they took it back XXXX months later claiming I was reasonable. They locked my account and I had to manually reopen the account. After many days of waiting on hold countless hours waiting for a representative, I requested video footage of the transactions in question that were made and they stated they will send the video to a local bank for me to look at. They never sent that video and I called XXXX times to make a claim and the claim was closed every time without an investigation. I may want to purse legal matters against bank of America for this. I was without my entitled funds because my account was locked. the total amount stolen was {$1000.00}. I was put in a bad situation that was not my fault and I had no access to medications, food, gas, and basic necessities to live. I have chronic medical conditions which require me to visit the doctor and get medications and be evaluated but was not able to do so because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: EQUIFAX, INC.
State: IL
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:
There's a fraudulent account that's being reported by XXXX XXXX on my Equifax credit report. I've been fighting this account close to a year now with no results. I've sent in copies of my police report and FTC affidavit notarized and signed by the reporting officer and still nothing. I don't understand, if someone steals your information, opens a fraudulent account using your personal information including address, social security number ; etc, then it's should be a simple process to have the account blocked from my credit report. I submitted this same information to XXXX  and XXXX and the account was deleted immediately. Equifax is the only credit bureau that's giving me issues. I'm trying to purchase a home for my family and can't do so all because Equifax isn't helping the situation. All they keep telling me is the account has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Parties : 1. XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX at XXXX XXXX, 3. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX  To : XXXX Assitant Manager XXXX Subject : Re : XXXX XXXX Dear XXXX - I am extremely disappointed. I am trying to get to the bottom of why there is a collections account filed for me? When I turned in my door keys and mailbox keys to you in XX/XX/XXXX, I asked you whether there was anything else needed. You stated that everything had been finalized and gave me a receipt. You indicated that there was no balance owed and you took my mail forwarding address for any further correspondence. I did not receive any communication from you. However in XX/XX/XXXX, a collection agency called me and said that I had an outstanding balance. I thought that this must be a mistake, so I called your office to find out and I even emailed you as seen below. I have not received any correspondence from you or your office and unfortunately, a collections has been placed on my credit file. 

XXXX, we both know that I do not owe any rent to XXXX XXXX XXXX. I have kept all of my receipts, all of which are signed by your staff as paid. I have pictures after my move that show that there was no damage done to the apartment. So, I can not imagine why my account was sent to collections. I have repeated asked for someone to show me a balance sheet to see where these charges originated. However, I have yet to receive this information. My requests for information are being ignored and yet my credit is being negatively affected. 

From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX ; XXXX Assitant Manager XXXX Subject : Re : Apartment XXXX XXXX - did you send an account to collections for me? I moved out in XX/XX/XXXX and I received a notice from a collection agency that stating that I owe a balance. This is not true. I do not owe a balance and I did not owe a balance when I moved out. I was never notified of any such balance and when I turned in my keys, I was not told of any balance. Since I moved out, no one contacted me letting me know that there was a balance and then out of the blue, I get this notice and the collection agency has been calling me demanding that I pay money that I do not owe. 

I would like to know what is going on? 

Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: OneMain Finance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took a loan from this company a couple of years ago. 

Since XXXX, 2020, I have done everything I could possible do to pay off balance on this account and close out my account with this company. 

But they have continue to use clearly fraudulent and unethical business practices to waste my time and destroy my credit, just for a few dollars. 

In XXXX, 2020, I went into my account, paid off the stated account balance of {$74.00} so I dont have to deal with this company anymore. 

The following month, I realized they had posted on my credit bureaus that I still owe about {$18.00} ( after I had paid of the " pay off balance '' they had on my account ) .. 

I check my online account, and saw the {$18.00}, once again showing as my final balance. Just for peace to prevail, I went in and paid off that {$18.00} balance. 

Right now, as at XXXX, they have recorded {$1.00} on my account balance as remaining balance. And still reporting to my credit that I havent made payment since XXXX. 

This is so unethical. They are destroying my credit and frustrating my life. They still keep sending me offers to get another loan with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-26
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/, a letter requesting verification and validation was sent to Receivable Recovery Services ( RRS ) in regards to an unknown dept balance from XXXX XXXX XXXX. It was explained in the letter that I was unaware of the dept, provider where dept was stated to be from, and that there was no consent/authorization given for my personal information to be shared with a dept collector. The letter requested that RRS provide me with validation and verification of debt, HIPPA authorization signed by myself, a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information to the debt collector, and that credit bureau reporting cease until debt has been verified and validated. Two letters from RRS dated XX/XX/ was received by myself stating that my request for validation and verification was respectfully declined. The letters also included dates, times, and deadlines for correspondence and disputes that I was unaware of due to being unaware of this dept. A follow up letter was sent to RRS on XX/XX/ requesting validation, verification, and proof that the stated accounts were mine in the form of previous requested documents. Attached with this letter was another " Request for Validation and Verification Letter ''. On XX/XX/, RRS responded with a letter with the account numbers and balances. The letter concluded, " Therefore, this letter will serve as our validation of the dept to you ''. The response from RRS was inadequate, and did not meet any of my requests listed on either letter I sent previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Resurgent Capital Services L.P.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The collector SHOULD NOT be contacting me, as the original creditor has previously been notified about a household member currently going through a medical hardship. I have also advised the collection agency to revert the account back to original creditor, as original creditor is SUPPOSED to have notes on file in regards ongoing medical hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Experian Information Solutions Inc.
State: IL
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:
Experian alleges a verification of an account was conducted on XX/XX/XXXX and identified the source of information to be U.S. BANKRUPTCY - CENTRAL DISTRICT ( attachment # 1 ). My Experian consumer report generated on XX/XX/XXXX, identifies the source of information to be " Us bkpt ct ca XXXX XXXX '' ( attachment # 2 ). How can a different court be reporting ten days later if a complete and  thorough investigation was conducted? Also, the status date of the account reflects XX/XX/XXXX. If the account was verified in XX/XX/XXXX, the status date should reflect the XXXX date. 

On XX/XX/XXXX, I received a letter from Experian advising they would not reinvestigate this account without additional relevant information. This letter also identifies U.S. BANKRUPTCY - CENTRAL DISTRICT as the source of information ( attachment # 3 ). However, my Experian consumer generated report dated XX/XX/XXXX again reflects " Us bkpt ct ca XXXX XXXX '' as the source of information ( attachment # 4 ).

Today, my Experian consumer report also identifies " Us bkpt ct ca XXXX XXXX '' as the source of information ( attachment # 5 ). Experian has a obligation to conduct thorough, complete investigations. Additionally, the FCRA stipulates credit reporting agencies only report accounts that are complete, accurate and verifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Waypoint Resource Group, LLC
State: FL
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:
On XX/XX/XXXX, XXXX XXXX XXXX posted XXXX $ for collection on XXXX and XXXX. Dispute is in progress with XXXX  but at XXXX, I cant even verify its me. It says i have autoloans i opened, mortgages and student loans. I answered truthfully with none of above and they say the information is incorrect! Theres hard inquiries on XXXX as XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed XXXX XXXX XXXX on my XXXX/XXXX/experian report a few times now. They are reporting different things to each Credit bureau which is a discrepancy. I have provided proof of this and I have XXXX/XXXX/experian to show proof of their investigation, not just the word of XXXX XXXX XXXX and I havent heard nothing back and when I do hear it something its oh its been verified which isnt possible since its reporting different dates and numbers.

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 2021-04-24
Company: Goal Structured Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have just received my updated credit report and Launch Servicing LLC continues to the report to the 3 bureaus the debt that they claim to be mines, without any written letter or verification with my signature approving that this is my debt. I have written numerous letters asking them to verify this debt including any documents with my signature on it and they have not proven it. I have not received any response back in last 3 months concerning this matter and because this debt is not proven/mine I TOLD THEM TO REMOVE IT IMMEDIATELY OFF ALL 3 BUREAUS 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