BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-25
Company: EQUIFAX, INC.
State: TN
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:
Equifax ; XXXX  and XXXX are reporting incorrectly a voluntary repossession on the XXXX  account number XXXX. ( Please see page attached from our credit report. ) Shortly after purchasing the vehicle the independent inspection that we had done revealed that this vehicle failed to meet the standards as required under the law for safety and also this vehicle fell under the rules required for the Lemon Law. We returned the vehicle within the time allotted and were told that there would be no negative reporting on our credit report, but that turned out to not be true. I had documentation to prove the vehicle was not up to standards however, these documents were lost in a house fire. This was not a voluntary repossession or a repossession of any kind. The vehicle was defective. This incorrect reporting of a repossession is harming our credit score and this line item needs to be removed from our credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern I was going over my credit profile a few days ago and noticed a couple of unauthorized inquiries on my credit profile

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES 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 information incorrect

Complaint:
I sent letters to Portfolio Recovery Associates on XX/XX/21 and XX/XX/21, requesting viable evidence bearing my signature, stating that I am legally obligated to pay PRA and have received no response providing validation. It should be noted that all my personal accounts are listed under my given name ( " XXXX XXXX '' ), while the account in question is listed under " XXXX XXXX ''. 

The response letter sent by PRA, attached in a previous complaint, simply contains a bill. No documentation bearing my signature was included. As stated in my second letter, per an FTC letter by Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. 

I would like the account removed from all 3 credit reports ( XXXX, XXXX, and XXXX ). According to the Fair Credit Reporting Act, if a company can not verify within 30 days, the negative remark must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Experian Information Solutions Inc.
State: MO
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:
The following accounts are not mines and nor do I have any knowledge of these accounts. I'm asking that the following accounts be blocked from my credit report, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, ( 3 ) 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 2017-07-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX 2017 I sent written request to Equifax, XXXX, XXXX requesting physical verification of the original signed consumer contract accounts posted on my credit report. I requested that validated these for debts that were being reported. I have never received any physical copies.In the results of the first investigation they stated in writing that you verified that these items are being reported correctly with out any proof. I then sent a letter asking who verified these accounts. Which they were not able to provide any proof. On XXXX XXXX 2017 repeated the same process. I still have no physical verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A law office continues to try and collect a debt that is over 7 years old. I have disputed the debt online and I believe it has been removed ; however, this company continues to send letters. I have also provided, several times, proof that I am on public assistance, and an exempt from collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
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:
I am coming to you to require corrections to my credit report. After looking over my report I noticed XXXX XXXX XXXX # XXXX listed XXXX  times on my file with inaccurate payment status. There are late pays on the same account XXXX  times on top of it listed the exact same XXXX  times. The account XXXX XXXX # XXXX and XXXX CRED # XXXX is showing the same error. The credit reporting agency and the companies are not fairly reporting on my credit file and this is a direct violation per FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ). On top of that XXXX # XXXX is being reported and does not even belong to me at all. There is direct abuse towards me as a consumer and it has also brought a huge amount of stress and anxiety in my life. They have been falsely given the power to ruin lives when in reality I have all control. I don't even give Experian, XXXX, or XXXX permission to furnish anything about me at all no matter where they claim it comes from. Per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer they have already broken so many laws and I will be taking this straight to court.

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 2019-07-30
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a debt collection notice on XX/XX/XXXX from a company called ERC portending to represent XXXX XXXX on behalf of XXXX XXXX. They are asking me to pay {$54.00} USD to settle a past due debt of which I have no knowledge. Reviewing my XXXX account shows I am up to date and do not owe any past due funds. Searching on XXXX shows this same scam occurred back in XX/XX/XXXX and when consumers disputed the bogus debt statements, they found that XXXX XXXX owed them money. There was also a class action lawsuit and XXXX XXXX was forced to admit a software error produced the inaccurate debt notices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being harassed by GLA Collections. appearently they bought a medical debt from a local hospital near my home. they are harassing me about this. I am on military XXXX  insurance and it seems the hospital mis-handled filing the paperwork correctly, and was unable to collect on the debt fully from XXXX. GLA collections bought the debt from the hospital and isillegally harassing me to collect on it. the hospital had previously wrote it off on their taxes, I feel I owe nothing to GLA, but they continue to harass me over it. GLA collections is known as a predatory collections company that uses threats and intimidation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Capital One refuses to close out my account even though I been contacted two times by a collection agency. This has been an on going issue since XXXX/2017, they are always claiming the account will be closed out however I receive a bill for the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Continental Finance Company, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This company was opened fraudulently, and I have asked them to remove themselves and have not heard back from them they must delete this listing from my report ASAP ... ..or provide proof under section 609 that validate this debt, the account was not opened by me or does it belong to me

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 2018-01-05
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is against a company known as " Debt Recovery Solutions , LLC ''. This company is attempting to collect on a debt that has already been paid. When I called to get the information on the account they were extremely rude and misleading. First and foremost, the company did not provide validation of the debt even after I called them on and emailed them on XX/XX/XXXX. I sent them a receipt for the debt that was paid and when I paid it with XXXX XXXX. Secondly, I called XXXX  XXXX XXXX XXXX XXXX Nevada and had them confirm there was absolutely no other debt owed, or sent to collections. XXXX XXXX XXXX XXXX XXXX Nevada mailed me a document with all the account number showing everything has been paid and resolved. I am filing this complain because this needs to be removed from my credit as it is effecting me negatively. Especially in which the way they are reporting the trade line. This medical claim was back from XX/XX/XXXX, they have it reported as being opened on XX/XX/XXXX. Needless to say, this should be removed as I do not owe anything to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Jim Bottin Enterprises, Inc
State: TX
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 signed up XXXX 2017 with XXXX XXXX, XXXX XXXX, XXXX XXXX, tx for a monthly membership of {$8.00}. ABC Financial Inc is the monthly deducting company. 
XXXX XXXX XXXX, XXXX, AR XXXX Back in XX/XX/XXXX I informed them that I have been relocated overseas and I would like to cancel my membership. The clerk at the front desk said it will be cancelled. For two months ABC Financial Services was debiting my account for the fees. I called again and spoke with both the fitness club and ABC financial Services. ABC financial said they needed documentation to confirm my move. So I provided them with Government issued Visa and residency card as proof of the move.
Yesterday I received an email stating that it was not suffice and they needed a one way ticket.  I did n't keep the ticket. 

I have done what the ABC rep told me to do and ABC continues to charge me the monthly fee and late fee and service fee. Now totally {$39.00} a month. I have provided everything they need to cancel this membership and they a purposely delaying the cancellation to charge additional fee. 

I really feel upon my return they will damage my credit. 

Please help me resolve this matter. 

Thank you XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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: Was not notified of investigation status or results

Complaint:
I sent in my police report and my FTC affidavit to the three credit bureaus XXXX, XXXX and Trans Union Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy TransUnion accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. 

I appreciate your prompt attention to this matter, and await your reply. 

Remove this fraudulent and inaccurate information from my credit bureaus or i will take legal actions without further notice and this complaint services as proof that i tired to resolve this fraud

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 2017-09-13
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I opened an account with XXXX There was a third party credit check applied 6 months into my agreement that was sent through mail to inform me of identity theft though XXXX use of my information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX I experienced a sudden loss of income. I had several credit cards and was struggling to support my children. My debt went into collection and I currently have most paid. I had one however that was an HSBC account that went into a place that was never documented but I paid a company that said they had acquired the debt. That was called XXXX XXXX and my bank account was debited XXXX dollars a month starting in XX/XX/XXXX. The last one being XX/XX/XXXX. Now it seems to not exist and after receiving odd phone calls from another company and making many on my own, I believe XXXX XXXX XXXX has that loan and has had it all along. I have been paying, it seems, to a fraudulent company. XXXX XXXX XXXX has been disrespectful, rude, demeaning, but more importantly not forth coming with documentation. I would love to pay my debt but with the proper process and until I receive that I would like to alert you to this company 's practices and have some solid answers before proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Asset Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I started school six years ago and found out we were XXXX two weeks in and told them I could not continue and they told me that it was only two weeks if I dropped out within a month the student loan does not get processed. I signed the paper saying I dropped out and that was the last I heard from them. Now six years later I am trying to buy a home with my husband and they pulled my credit and on XX/XX/2017 Asset Recovery Solution said they bought a debt from the school and I now owe them {$6400.00} that I never heard about from six years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: WI
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:
A bankruptcy is inaccurately showing on my report. It should be removed. This goes back to 2013. Please remove this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call from a cell phone XXXX claiming to she had a notice to deliver to me she told me to call this other number before she tries to serve me. She gave XXXX with a case number. So I called the number & talked to a rude man who told me I was a thief. When I asked him to explain debt he explained some bogus loan that I have no idea about. All my information has been used before to open accounts that I have not opened. I told him I would complete an affadavit, he stated all I owed them was XXXX, they could sue me for 5 times that amount, so I needed to retain counsel. I told him I was not going to be strong holded by him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: CITIBANK, N.A.
State: MT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2019, I spoke with a representative at Citibank requesting to close my savings and checking accounts. The next day I logged into my online account and saw that the checking account was closed, but the savings account was re-opened, without my permission. I then called back Citibank and they confirmed that their system had not closed my savings account, despite pledges that they had done so. This is a clear violation of my rights as a consumer, and Citibank is unlawfully trying to keep my account open.

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 2018-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
This is a general and ongoing problem with XXXX XXXX XXXX. I have 2 credit cards with them trying to rebuild my credit. 

The payment for one of the cards is the XXXX of the month. They charge a late fee on the same day of {$25.00}. They state that the bill is due by XXXX XXXX eastern time. 

I have had a " real '' credit card that offers grace period before late fees are applied which is customary, certainly not charged the same day the payment is due. 

I find this strict billing on cards that are designed for the poor, trying to get back on their feet predatory lending and an effort at forced profit from the poor repulsive. I am reporting this on behalf of every person who is surprised how challenging it is. 

Its bad enough they carry the highest interest. 

Please consider holding these lenders accountable and at the very least support legislation to reel in this repugnant behavior. Reminds me of XXXX XXXX XXXX daily deposit vs payout scheme. Something needs to be done about this. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: OneMain Finance Corporation
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:
I am coming to you to require corrections to my credit report. After looking over my report I noticed XXXX XXXX XXXX # XXXX listed 3 times on my file with inaccurate payment status. There are late pays on the same account 3 times on top of it listed the exact same 3 times. The account XXXX XXXX # XXXX and XXXX XXXX  # XXXX is showing the same error. The credit reporting agency and the companies are not fairly reporting on my credit file and this is a direct violation per FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ). On top of that ONEMAIN # XXXX is being reported and does not even belong to me at all. There is direct abuse towards me as a consumer and it has also brought a huge amount of stress and anxiety in my life. They have been falsely given the power to ruin lives when in reality I have all control. I don't even give XXXX, XXXX, or XXXX permission to furnish anything about me at all no matter where they claim it comes from. Per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer they have already broken so many laws and I will be taking this straight to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have disputed the debt with the creditor and the credit bureau. Original creditor is XXXX XXXX XXXX XXXX. The medical bill was paid at time of service by XXXX. I also had XXXX double coverage at time of service to cover any amount left after XXXX paid. I have demanded proof of my signature on documents showing my responsibility for the debt. I still have not received any proof. I do not owe this debt.

Company response to consumer: Closed with explanation