BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV funding is false account. I spoke to XXXX when it was with them. they said they address was in the state of Washington.. I notified them i have never even visited that state. XXXX took it off look at my credit report. then 3 yrs later LVNV bought the account is what the LVNV rep i last spoke to said. I told her same story and i have never been to that state. She said it is here in Michigan. i asked for for what address was it billed to? she told me the address.. and billed from XX/XX/XXXX - XXXX XXXX. I said how can that be i did not live at that address. I moved out of XXXX XXXX XXXX XXXX.. I told the rep at LVNV funding this over 2 months ago, sent me papers to fill out and send back so they can do an eternal check. it did not sound sincere. since the bought the account and just changed addresses anyway. The fact i was not even living at this address when they claim i had service : should prove that this is fraudulent report against me. and has lowered my account at least 60 point since they posted it over 3 years ago. please help me clean up this issue. it is not the only one i have had and disputing. My cousin just reminded me he put they XXXX in his name when we renewed the apartment lease. so it can not be mine. 

Check with XXXX XXXX when i Left that apt XX/XX/XXXX. 
XXXX XXXX of XXXX - XXXX Thank you for your time and patience, XXXX XXXX They have another account for me going back to XXXX XXXX XXXX / the LVNV Rep asked me if i wanted to settle this acct today. i am furious.. this is not a joke.. i have never had a XXXX XXXX or any c-card for XXXX not mine again XXXX account. I have have had my identity stolen. check with Unemployment someone collected it for 2 plus years. they will not answer now for anyone.. maybe you? this was back in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Experian Information Solutions Inc.
State: LA
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 been fighting ID THEFT and please need to dispute the following accounts due to them begin fraud!! I have sent supporting documents in several times and please ask these documents be used to block and or remove the following. Also please lock my credit report and notify the companies that reported the fraud accounts under my name and SSN. Thank you.

1. XXXX XXXX   Reported :XX/XX/XXXX 2. XXXX XXXX XXXX   Reported : XX/XX/XXXX 3. XXXX XXXX Reported : XX/XX/XXXX 4. XXXX Reported : XX/XX/XXXX 5. SXXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX 6. XXXX XXXX Reported : XX/XX/XXXX7. XXXX XXXX   Reported : XX/XX/XXXX 8. XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX 9. XXXX XXXX XXXX  Inquiry : XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 11. XXXX XXXX Inquiry : XX/XX/XXXX 12. XXXX XXXX 13. XXXX XXXX Inquiry : XX/XX/XXXX 15. XXXX XXXX Inquiry : XX/XX/XXXX 16. XXXX Inquiry : XX/XX/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 2020-07-02
Company: Experian Information Solutions 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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$0.00} XXXX XXXX {$130.00} XXXX  XXXX {$27000.00} XXXX  XXXX {$22000.00} XXXX   XXXX {$6000.00} XXXX XXXX {$1100.00} XXXX XXXX {$0.00}

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
Consumer complaint received 2020-07-02
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$0.00} XXXX  XXXX {$130.00} XXXX  XXXX {$27000.00} XXXX XXXX {$22000.00} XXXX XXXX {$6000.00} XXXX XXXX {$1100.00} XXXX XXXX {$0.00}

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
Consumer complaint received 2018-06-25
Company: Central States Recovery, Inc.
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have disputed this with central states recovery and the school who placed the debt in collection I was enrolled in classes and my classes were not dropped and I were charged the debt agency has not provided any information disclosing my obligations to pay this amount in collections Also the agency still has the account as in open status reporting in my XXXX credit report which this was removed from the other credit reporting agencies This account should be removed from my credit report and I should not owe any obligations to the creditors placing to collect the debt I provided a copy of my credit report from XXXX  were it was on my credit report and it was removed I provided a copy of my report in XXXX  showing the account Is in open staus This account is not in open status XXXX XXXXXXXX is reporting inaccurate information on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions 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:
To whom it may concern I was looking at my XXXX XXXX. It's been a really long time since I looked I noticed a bunch of inquiries I know that I never authorized or signed anything for these companies to run my credit. I believe this to be some type of fraud as I never went to any of these places or even tried to do anything with my credit until I looked at credit karma on XX/XX/XXXX and noticed all this. My friend told me to come to you guys directly. Attached are screen shots of the inquries I am being accused of. I did not apply for any sync cards on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX. I would like all of these to kindly be removed. I am going to look into this more might have been my ex being spiteful. I honestly didn't do it.

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: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is regarding making payments to XXXX Visa at Comenity Capital Bank. 

I have sent two checks to pay off this account in full in the last month, neither have been accepted. These checks are in the amount over $ XXXX. I have spoken to several high level managers that claim to take care of the situation - nothing has been done. I even sent a second payment overnight XXXX to the XXXX XXXX overnight address with signature required. I verified that this check was signed for on XX/XX/20 at XXXX by XXXX XXXX XXXX They claim to not have received the check. I was told that the check must be the exact amount of the account balance and any other amount will be rejected. I made a payment that day to make the account balance the exact amount of the check. The very next day they assessed interest charges on my account which now makes the check amount too large. This bank has some serious problems that need to be addressed. The customer service is the worst I have ever seen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30
Company: Vital 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: Account information incorrect

Complaint:
Today XX/XX/2020 I have reviewed my credit and found that XXXX XXXX reflects a balance due of {$1200.00} although I had settled this account back on XX/XX/2020. XXXX hired Vital Recovery Services , LLC and we settled this debt on XX/XX/2020 at {$850.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: NJ
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:
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 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 reasonable cause to believe that the information is inaccurate. 

XXXX XXXX- ACCOUNT NUMBER- 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 2021-06-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, Experian, XXXX. 
These companies are continuing to report derogatory marks on my credit report without consent. Also, the government closed these accounts and they are still reporting. Remove these accounts immediately. Ive sent debt validations as well as affidavits of truth and still no response in the 30 days time. Under section 3.1.1 Furnisher Incentives and Disincentives, Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary, so please remove these from my report.

US DEPT ED {$3100.00} US DEPT ED {$690.00} US DEPT ED {$1700.00} US DEPT ED {$1700.00} US DEPT ED {$4600.00} US DEPT ED {$3300.00} US DEPT ED {$4800.00} US DEPT ED {$3100.00} US DEPT ED {$4900.00}

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
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: PA
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 like to file a dispute for the following accounts. XX/XX/XXXX XXXX {$3700.00}, XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXXXXXX {$12000.00}, XXXX XXXX XXXX {$2200.00}. These accounts are all fraudulent accounts. I have reached out to these creditors inquiring about these accounts and have asked them to provide me information on when these accounts were open, how they open, what address and what type of information was used to open these accounts. These creditors stated either they have to find the information or they could not provide that information as some of these items are old. I have never opened up any accounts with these creditors and I believe these accounts were opened up fraudulently in my name. I have filed an Identity Theft FTC Report. The report number is XXXX for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
This all ocurred through Citibank Wire Transfer Services. The case number assigned by Citibank for this incident is XXXX Intiated international wire transfer of {$1000.00} ( converted to XXXX New XXXX Shekels ) to daughter in XXXX on XX/XX/2020. Found out I had wrong XXXX # but correct XXXX XXXX. 

Amended wire transfer on XX/XX/XXXX. At the time of amendment, Citibank representative confirmed the new XXXX number I gave. 

XX/XX/XXXX - Received letter of confirmation about the amended wire transfer XXXX the one from XX/XX/XXXX XXXX but XXXX number was wrong - not the original wrong one from the XX/XX/XXXX event and not the new information provided and confirmed on XX/XX/XXXX. 

On XX/XX/XXXX - contacted the bank again and we corrected the XXXX number ( again ). Promised money would be available to Recipient no later than XX/XX/XXXX. 

XX/XX/XXXX, received another letter from Citi confirming the XX/XX/XXXX amended transfer information. All correct and we forwarded to recipient so she could track with her bank. 

XX/XX/XXXX, contacted the bank again because recipient was told by her bank that they had no record of the transfer. Spoke to supervisor, Requested a cancellation of the wire and that all the money be returned to our account. XXXX explained the process for requesting the return and confirmed that the transfer went through to Citibank 's subsidiary in the country XXXX Citibank XXXX XXXX and so the breakdown in communication appeared to be with the Citibank office in XXXX XXXX.. XXXX promised to investigate and call me back with an update on Friday, XX/XX/XXXX. 

XXXX XXXX, as I write this I have not heard from XXXX at Citibank with the promised update. It is currently XXXX in her time zone.

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 2021-06-04
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: Information belongs to someone else

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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: Public record information inaccurate

Complaint:
well on the XXXX credit card  and the XXXX XXXX buy back card I am no longer an authorized user I was removed from those accounts but on my credit report its still showing I owe a balance when Im not an authorize user, also XXXX XXXX XXXX is still showing open when this account was paid in full and closed but the account is still showing open when it should be closed 2 years ago.

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: EQUIFAX, 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: Account status incorrect

Complaint:
To whom this may concern, There are inconsistencies on my credit report from debt collector XXXX XXXX int The follow XXXX is showing account as open while Equifax & XXXX are showing account closed. This does not meet Fcra requirements as stated in XXXX remarks & they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
I recently logged into my credit card account and noticed that I was being charged a late fee the same day as my automatic payment was processing for the minimum due. This has happened for several months. I called and asked about why this is going on and the agent said I was set to a fixed amount and that because of that late fees were coming now due to a different minimum being due. I stated that none of my other accounts with them are having this issue, neither is my auto loan with the them. I asked for the fees and any interests to be reversed and offered to pay whatever the new claimed minimum is. Agent said there is nothing she can do except wave one fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This account is being reported as delinquent since the bankruptcy in XXXX. I pay this account religiously " every month ''. 
I am also not able to receive credit score because the monthly payments are not being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is actually XXXX things simultaneously ( harassment and debt already paid ) Nationwide Credit Inc has continued to call me and harass me about a current and paid as agreed XXXX XXXX Account, that is OWNED BY XXXX. 

Nationwide Credit has called me 14X after I stated do not call me. 

Nationwide Credit is repeatedly harassing me on the phone, asking me for money on the monthly payment due that have already been paid directly with XXXX. 

Nationwide Credit today, called me about my XXXX XXXX account, in reference to a XX/XX/XXXX payment due of {$41.00}, which was paid on XX/XX/XXXX, to the amount of {$150.00}. 

I told them our business is concluded and there is no reason for them to call me, and I have explained that I am under doctor 's orders to reduce stress, and I told them this several times. Their calling has aggravated my health condition. Beyond that my account is paid. Paid is paid. You can't get more perfect than paid. So why are you calling? Just to harass me!! 

Here are the details : NCI Documentation : XX/XX/XXXX Statement : {$1900.00} Past Due {$160.00} Due Date : XX/XX/XXXX Paid {$200.00} XX/XX/XXXX Even though Paid and Current, NCI continued to call and harass me, on XX/XX/XXXX, THREE DAYS AFTER PAYMENT. Therefore, to avoid future harassment, I decided to pay the NEW statement, which had just posted that same day, which was {$41.00} to be paid by XX/XX/XXXX. In an effort to keep them from calling and harassing me, I paid a SUBSTANTIAL higher amount, 25 days early. As reference next. I PAID {$150.00} instead of {$41.00} in advance. As in early. 25 days early. Yet they called today to keep harrassing me. 

XX/XX/XXXX Statement : {$1700.00} Min Due : {$41.00} Due Date : XX/XX/XXXX Paid {$150.00} XX/XX/XXXX Clearly this is repeated violation of the FCRA. Ive repeatedly expressed to never call me, and especially do NOT call me when my account is current. I have 3 REV PAR taped recordings conveying my wishes to them as well. 

XXXX XXXX is an Accomplice in this by knowingly and willingly allowing this behavior. I have reported it to several account managers at XXXX XXXX. This is not an external collection, but their internal account services team I have been told. 

I have also never received ANY communication regarding my debt through NCI. They just started calling me one day.

I have contacted 2 law firms today discuss my case as well. One located in XXXX, and one is a large National Firm.

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 2018-12-26
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX, I was wrongfully served charged for an account I never had. The company XXXX XXXX was opened in New Jersey. At this time I was living in California. I have attempted many times to speak to someone from the court where the judgement charged me XXXX in XX/XX/XXXX. This account has been affecting my life since XX/XX/XXXX. 

I would like to place a complaint against XXXX XXXX and XXXX XXXX XXXX. 

I would like my XXXX $ back. I would like all this information removed from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: TCN Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I have a title loan and I am 2 weeks late. I have received phone calls up to 6 times a day. I provided XXXX references to the loan office but today ( XX/XX/2020 ) I received phone calls text messaged and the manager messaged me on XXXX, these are not my issue. My issue is that the office manager took it upon herself to contact my ex-husband 's wife and told her all my financial business. I did not have my ex-husband as a reference and clearly would not have his wife as one. She took it upon herself to look me up and who was linked to me based on my past, who was linked to my ex-husband and contact them. This is a violation of the FDCPA and would like this company 's practices looked into.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation