BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-13
Company: Resurgent Capital Services L.P.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 a letter was sent to the original creditor XXXX XXXX XXXX, to validate the alleged debt they claim I owe them. The original creditor XXXX XXXX XXXX, sent a letter back to me, dated XX/XX/2019 stating that the ownership of this debt was transferred to LVNV FUNDING LLC. LVNV FUNDING LLC was also sent a validation letter on XX/XX/2019 since they are reporting the debt as well but they never responded to my request for validation. 

On XX/XX/2019, I sent another letter to XXXX XXXX XXXX, advising them that the letter they sent was NOT validation of debt, as I have requested, since they are the original creditor. One XX/XX/2019, XXXX  XXXX XXXX  responded, stating they " addressed the request in a previous communication '' and they were under NO further obligation to provide any additional information and WILL NOT address duplicate inquires in the future ''. The issue will this is that as a consumer, I have the right to ask for validation of the alleged debt that the ORIGINAL creditor is reporting to my credit report, to ensure that the debt is mine and / or reporting correctly etc. Im not understanding how XXXX XXXX XXXX  addressed my inquiry in a previous communication? 
What was stated is that they no longer have the debt, however as a financial institution those records should be readily available and to tell a consumer that they will NO linger respond to duplicate inquiries is ludicrous and asinine. 

XXXX XXXX XXXX, obviously CAN not provide the required verification of debt according to FDCP. 

Also, I received a letter from XXXX XXXX XXXX stating that they are the beneficiary of the debt now, however XXXX XXXX XXXX is stating that LVNV Funding owns the debt AND not to mention LVNV Funding LLC is reporting this erroneous information to my credit report but they don't even own this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations fcra inaccurate information showing on credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: General Motors Financial Company, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is 1. XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, Americredit XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XX/XX/2020 and XXXX XXXX XX/XX/2020. I would like these illegal inquries removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my XXXX XXXX account in XXXX when the inquiry was made to open the account and told them it was not me I was told that no account was opened and I caught it on time but XXXX XXXX XXXX still let the account become opened and I'm just finding out in XXXX XXXX that it's open for collection after they told me in XXXX that I was ok and that no account was opened

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or around XX/XX/2019 Doctors Business Bureau took adverse action and placed a collection account on my credit file ( s ) ( XXXX ) without providing me with notice or allowing me to dispute the debt which adversely impacted my credit rating. This resulted in financial harm, as well as emotional distress and mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: BBVA FINANCIAL CORPORATION
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:
Bbva compass sold me a heloc creditline forXXXX $ without telling me it was a mortgage, when I found out, I closed it, they charged me XXXX , and it is still on my credit report as being owed and I am making Payments? 
I brought this to their attention, and they responded by telling me I had to find a new bank. XXXX XXXX wrote theletterfromXXXX California. 
The problem is, as a XXXX, I need 6 months to make the changes with my insurance companies ( especially XXXX ). 
No written email or communication whythis has occurred has even been sent to me! 

I found out later they did this because I paid my home loan down and paid my two lines of credit off., so XXXX said they no longer make money on my account to the assistant branch manager whom told me. They are just trying to sell products, but do not care about the customer and do what they want without regulation. 

They are based out of XXXX  and do not follow the banking laws of the USA.

Thank- You,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$400.00}, {$0.00}, {$3200.00}, {$530.00}, {$750.00}, {$610.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Direct Recovery Services, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Message left on my phone regarding a debt owed by someone else. 
I have had this same number 15 years!!! 
Last call was XX/XX/2020 There are numerous complaints against this company for attempting to scam people out of money by making fraudulent debt claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I just checked my credit report for the first time in many years, because I knew I had some negatives that needed my attention, I have paid off a few already, but this one is still showing up on my report even though the balance is XXXX. I was lead to believe it would be removed from my report all together. 

The balance has always been XXXX, with no late payments according to the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
After 20 years as a customer, I got a letter saying on XX/XX/XXXX they will be closing my account, what they didnt tell me was that they froze my account on XX/XX/XXXX and they are processing my closing account, really XXXX weeks and it s still processing, that money I wanted for my wedding, its not much but its still over XXXX and I have talked to everyone and I get the same runaround processing, you dont do that to people, I just want my money back

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 2019-09-13
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea what this debt is from. It says XXXX, but I have never had any XXXX products in my name.I did nothing credit related in 2017 and that's when it says it was reported. I already disputed it on my credit report, and the response was just " verified, it is your account '' but how did they verify it? I didn't get any notice or anything. No explanation at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Disputed this debt with Arcadia a few times and I am very displeased with my results. They have never sent me anything in the mail at all, yet continue to report debts on my credit. I have respectfully requested information as to why, and since I am a consumer, it is my right to identify the debts. They have failed to produce any reason at all for why they are on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I want credit bureau to include my statement on the report. 

This is my statement : I, XXXX XXXX under oath and penalty of perjury declare that I am a victim of a financial crime. The information about the outstanding balance, late payments and charge offs, though correct is NOT due to my negligence or abuse of credit. All of it is due to cumulative effect of the financial crime against me. I have been and will continue to pursue all legal venues to fight this injustice against me with state, local and federal law enforcement agencies and courts.

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 2021-05-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reached out to XXXX, XXXX and Experian well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report. The accuracy of the data reported is inaccurate. If they received the same information from the same company/data furnisher then why is there different information showing for all three credit bureaus. All information must be the same not misleading and falsely reporting. All information must be accurate or it must be immediately removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am showing 2 collections accounts on my credit report from the same creditor, which is a mistake. First the debt is not mind and I have fought with this company so many times over the past year. I have never received any Proof that this debt is my. Proof is my signature. I have asked several times through certified letters beginning on XX/XX/2017. I am showing XXXX XXXX via original creditor XXXX XXXX XXXX XXXX with a balance of {$760.00}. Also, I am showing XXXX XXXX XXXX via original creditor XXXX XXXX with a balance of {$850.00}. I need this corrected immediately. I do not have a debt with this creditor and it is the responsibility of the credit bureau to validate the information that is reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
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: 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 {$0.00}, {$400.00}, {$0.00}, {$3200.00}, {$530.00}, {$750.00}, {$610.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -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 2020-05-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I want credit bureau to include my statement on the report. 

This is my statement : I, XXXX XXXX under oath and penalty of perjury declare that I am a victim of a financial crime. The information about the outstanding balance, late payments and charge offs, though correct is NOT due to my negligence or abuse of credit. All of it is due to cumulative effect of the financial crime against me. I have been and will continue to pursue all legal venues to fight this injustice against me with state, local and federal law enforcement agencies and courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: CITIBANK, N.A.
State: CT
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:
a single fraudulent transaction occurred on my Citibank Mastercard by the unauthorized use of the account information. No card was lost and all cards are in my possession. Citibank has placed a hold on my account and is restricted the use of the card. They wanted to issue a new card which I declined. They have said I must call and authorize each individual use of the card every time I want to use it. 
This is a violation of the Fair Credit Billing Act - Chapter 4, Section 161 ( d ) which states " a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error ''.

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 2020-06-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
USAA IDTheft Department is Not Open on Weekends or at Night When Most Theft Occurrs. Reporting IDTheft Timely is NOT AVAILABLE. Criminals Do Not Sleep. USAA DOES NOT PROVIDE ACCESS FOR ADEQUATE PROTECTION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: ERC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ERC contacted XX/XX/XXXX two times in a row and XX/XX/XXXX 2x as welll in a row on behalf oh XXXX Debt was for XXXX. I explained multiple times I was XXXX and dont have means to pay they were abusive and harassed me about getting the money and paying it and wont stop calling until I paid it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
A few years back, I only had XXXX checking and XXXX savings account with Bank of America. Additonally, I had my mortgage with BofA. At that time my relationship with them allowed me to open up another checking and savings account at no additional cost. I didn't think I needed them, but they suggested that because it was no additional cost it would give me flexibility to manage my monthly expenses. Since it didn't cost anything additional, I didn't see the harm in it. Well, BofA sold my mortgage to another company and they have since changed their tiering and fee structure. Now, I'm getting fees on those additional accounts. I've spoken with mulitple reps trying to ensure that I don't get additional fees, but the fees keep popping on different accounts. Also, asked for a refund to no avail. What they have done is a clear violation of the Unfair Deceptive Abusive Acts and Practices statute. This is exactly the same thing that XXXX XXXX was guilty of and the CFPB should investigate the number of other accounts where this is happening.

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 monetary relief
Consumer complaint received 2020-06-29
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have informed all 3 credit bureau 's XXXX, XXXX, and Experian that my Chapter XXXX Bankruptcy has incorrect information such a the court is listed as Federal and US BKPT Ct GA XXXX. Also it has been brought to my attention that the clerk 's office does not report any information to the credit bureua 's.

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 2020-06-29
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: Public record information inaccurate

Complaint:
I have informed all 3 credit bureau 's XXXX, Equifax, and XXXX  that my Chapter XXXX Bankruptcy has incorrect information such a the court is listed as Federal and US BKPT Ct GA XXXX. Also it has been brought to my attention that the clerk 's office does not report any information to the credit bureua 's.

Company response to consumer: Closed with explanation