BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-23
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XXXX of XXXX I started to get calls from my health club XXXX XXXX, ( now bought by XXXX XXXX ). I have gone to the gym off and on since XXXX. Every now and then they would have issues with my auto payment, and I would go to the gym speak to the manager and it would be taken care of. So in XXXX I went in and talked to the manager XXXX. XXXX told me not to worry about the calls he was going to take care of everything and start my membership up again. I still to this day am paying for my membership. I randomly looked at my XXXX XXXX app last month and saw I had a debt collection from XXXX XXXX ( was XXXX XXXX )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights,15 U.S.C.1681 section 602 A states that I have a right to my privacy. 1 5 U.S.C. 1681 section 602 A section 2 states a consumer reporting company can not furnish an account without my written instructions which I have never given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 submitted requests for these collections to come off my accounts because they are not mine and additionally, according to their secretary of state website, are not licensed and bonded to collect these debts XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00}

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 2018-06-10
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:
After pulling my credit report it was discovered that there's accounts on my report inwhich I have no knowledge of nor has anyone reach me about the change in my report. I'm respectfully requesting physical documentation for the following accounts or by all accounts these accounts shall be removed in accordance with the FCRA rule of law. The following accounts are, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( 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 explanation
Consumer complaint received 2020-08-02
Company: Resurgent Capital Services L.P.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Collections is not from original creditor. I do not owe LVNC FUNDINING-XXXX {$670.00}. I never heard of LVNV FUNDING. I  never did a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Seterus claims they have a foreclosure on the property ; however, there is no evidence to support that claim. The mortgage company was XXXX XXXX XXXX not Seterus. I have requested a copy of the closing documents but have not received them in over a year since I requested them. Under the legal I have none, if this company attempted a foreclosure there would have been legal information. Please help. My e-mail address is : XXXX. 



Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: EQUIFAX, 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:
This company is reporting an unverified account on my credit report. Please be further advised, I dispute the validity of the alleged debt in its entirety.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: National Credit Adjusters, LLC
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:
National Credit Adjusters has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This company is reporting an unverified account and the account status is wrong status. Please be further advised, I dispute the validity of the alleged debt in its entirety. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2018-04-19
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
BBVA closed my credit card account. I had a balance and had been paying it down. I missed one payment an oversight because I can set up auto pay. They closed my account after a week and a half. I had no idea I missed a {$16.00} payment. I had reward point that would pay that payment and more. They defaulted my points.

This happened XX/XX/2018.

I am still making payments.

They pulled my credit without permission to close my account ( they say ) this will have a negative impact on my credit score. I want to be compensated for this issue and my account reopened until it is paid off and I will let it go dormant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Experian Information Solutions Inc.
State: MI
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:
This letter is to request you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate items. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX XXXX XXXX / XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2021-08-16
Company: XOOM CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 I initiated a transfer through Xoom, a XXXX company ; transaction # XXXX. The transfer was from my XXXX Checking Account ending in XXXX to a savings account ( USD ) I have in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a total of {$570.00}. Per Xom 's email dates XX/XX/XXXX, the funds should be available on XX/XX/2021. Xoom 's fee for this service is {$9.00}. 
As of today, XX/XX/2021 I have not received the funds. After several communications with Zoom, on Friday XX/XX/XXXX I was told they continue to have a technical dificulty, they can not give me an estimated date this issue will be resolved, and I can not cancel my transaction. Note the funds are still in my XXXX account, they were never withdrawn ; however, if I can not cancel I am still under contract to provide the funds. 
I am looking for them to either finalize the transaction or cancel so I can look for another solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-02
Company: EQUIFAX, INC.
State: DE
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 tried to dispute all of the fraudulent inquiries on my Equifax report and have been unsuccessful over five times. I even called and someone was going to fix it and never did. I am a victim of identity theft and all the other bureaus have protected me except Equifax! I am very frustrated, stressed and overwhelmed by all of this : the companies fraud inquiry that is showing up is : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On today Monday XX/XX/XXXX I got a voicemail stating that I was denied credit at this company by the name of One Financial! I applied for the loan on Friday of last week and talked to a lady names XXXX that assured me that an approval was in place! I never heard the word Debt ratio until today when I called and she said I didnt make enough money! First of all I bring home more than they say I bring home and provided my check stub with proof! This company have been sending me notices after notices begging me to apply for a loan that I had been preapproved for! I am so disappointed and hurt I will never recommend anyone to apply for this company! The lady XXXX mislead me and Im not gon na stop reporting this company! This company is very misleading people!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: EQUIFAX, INC.
State: GA
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 a victim of identity theft, accounts have been opened in my name, I'm requesting this information to be blocked from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee item as stated in the attached letter and all non-account holding inquiries from my credit report, an FTC identity theft affidavit been filed, it will be attach to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-02
Company: ADP Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Back in XXXX, XXXX my prepaid card had a negative balance of over {$330.00}. My card is the XXXX XXXX XXXX  by ADP. It is a Visa card. I started a dispute back in XXXX, ad the charge for the room at the XXXX XXXX in XXXX XXXX, MI was unauthorized. The card was to be used for incidentals only, of which I had none. I paid cash for the room, and provided ADP with the receipt showing this. 

I was told about 3 weeks ago I had to re open the claim as there was a note on my file regarding this, but the claim was never formally started due to a staff error. This is not my fault not is it my problem. The claim was re-started at the beginning of XXXX. I emailed all my proofs to ADP. 

I received a 1 page dispute form in the mail 5 days AFTER the due date. There were instructions to fill out the 5 pages that were " enclosed. '' The only document enclosed was a cut off cover letter. 

ADP is purposefully avoiding doing their job and investigating this dispute. It had been almost 6 months and my dispute has not been resolved after showing proof that I paid cash for the room and the charge was not authorized. 

I am getting ready to take ADP to court and ask for a Writ of Mandamus to compel them to perform their duty to investigate as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Experian Information 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: Information belongs to someone else

Complaint:
Hi I am contacting you in reguards to my XXXX XXXX and experian credit reports  because they are showing fraudulent accounts and credit inquiries that do not belong to me and I would like them removed as I have been contacting these companies none stop trying to get this resolved but have had no success in getting these items removed so I am seeking your help. Let me first start by saying my name is XXXX XXXX XXXX XX/XX/XXXX and I reside at XXXX XXXX XXXX XXXX ny XXXX and I am a victim of identity theft and my police report is inclosed in this letter. I would like everything below to be deleted from my credit report because it is fraud and someone stole my identity I have already notified the IRS and local authorities. Here is the list of items that are fraudulent Accounts Here 's every account on your XXXX   report. Click on the account name for more details. 

See an error? 

You can submit a dispute without leaving XXXX XXXX. Look for Direct Dispute in the details of the account. 
CREDIT CARDS XXXX XXXX XXXX Reported : XX/XX/XXXX + {$370.00} Closed OTHER LOANS XXXX Reported : XX/XX/XXXX + {$220.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX   report. 

XXXX Inquiry : XX/XX/XXXX + National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Department & Variety Stores ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX NA Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX CO DUAL CARD Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX +  XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX +  National Credit Cards/Airlines ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

SECURITY CREDIT SERVICES Reported : XX/XX/XXXX + {$2700.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$730.00} Needs Attention Please remove all these items from my report because they are fraudulent and do not 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 non-monetary relief
Consumer complaint received 2020-05-09
Company: EQUIFAX, INC.
State: MI
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:
This letter is to request you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate items. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX XXXX XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I pulled my credit report and I see that are a reporting a negative account on my file from XXXX XXXX XXXX. This account should not be reporting on my credit report. 
I sent XXXX 2 certified letters to dispute this account on XX/XX/XXXX and XX/XX/XXXX to the address they are reporting on my credit report and what you are reporting for the company. 

Each letter was not able to be delivered as the address in invalid. This company is clearly reporting inaccurate data because the address they are reporting is false. 
Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately. 

XXXX XXXX numbers : XX/XX/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 2018-04-19
Company: California Business Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A company called California Business Bureau is reporting on my credit reports medical debt from XX/XX/XXXX-XX/XX/XXXX. I have sent certified mail asking for validation and proof of surety bond in the state of Texas, which they do not have. I live in Texas. The company 's address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The Texas Secretary of State debt collector website search shows no surety bond in the state of Texas. According to Texas Finance code 392 they must remove all entries from my credit reports with all three bureaus and may not sell or transfer these accounts. I am also aware that I could sue them and be compensated for their illegal debt collection practices on each instance they are reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Nelnet, Inc.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been paying my student loans for more than 10 years thinking that I was accruing the eligibility requirements for participating in the Public Service Loan Forgiveness program. At no point was I notified by my loan service provider that the federal loans I had did not qualify.

Company response to consumer: Closed with explanation