BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: AL
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 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX, Account name XXXX, XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account name XXXX, XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX has violated my rights. 

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 a 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. 1681s-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.

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 2023-04-04
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Convergent Outsourcing on XX/XX/23 to request a settlement on my XXXX XXXX  which I show on my credit report and also on my last bill the balance is {$1500.00}. At that time I was told the balance was {$1700.00} which I stated was incorrect but was told that is what they show that was sent to them by XXXX. I disagreed and later emailed them and asked them to send me proof of the debt. Although I requested this information in XXXX I just received the documentation on XX/XX/23. I have attached pictures where they show the same bill balance of {$1500.00} not {$1700.00}. I want to know where the difference of {$270.00} is coming from and so far they are not able to prove to me that I owe that difference. I feel that I shouldn't have to pay anything that you can show me that I owe even after asking them to provide me with proof.

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 2021-05-11
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:
I disputed unauthorized inquiries and 2 medical accounts that do not belong to me and a account that says charge off which is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: Experian Information Solutions Inc.
State: NJ
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:
RE : Account XXXX XXXX  XXXX XXXX Dear Sir/Madame : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with the credit bureaus XXXX  and Experian, and you have been able to verify this debt. How is this possible? This is not my account! 

I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. You have severely limited my ability to purchase a home and get a credit card.

In light of the recent changes to the FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion No. 00-15946 CV-99-00290-D.C. by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates LLC is attempting to recover a debt that is not mine and I have disputed on my 3 credit bureaus and was discharged several years ago. Portfolio is trying to recover a debt that was legally discharged by XXXX XXXX, XXXX and XXXX due to Fraud .For XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ma XXXX. 
The # on the account Portfolio is trying to Collect is account # XXXX Creditor XXXX XXXX Balance XXXX My complaint also includes Portfolio Recovery was sent several Written letters to no longer contact me by Phone, per the Fair debt and collections practice act as is my right. 
They have repeatedly called in a harassing matter now since XX/XX/2020. I have blocked over 100 phone calls from there company regardless of my written notice to only use my mailing address to contact me as this is fraud and need to be in writing not over a telephone .They have repeatedly ignored my request. 

PORTFOLIO RECOVERY ASSOCIATES LLC XXXX XXXX XXXX, XXXX, VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
In XXXX XXXX, I initiated a credit transfer from Capital One credit card to my XXXX XXXX  credit card in the amount of {$4300.00} That amount was charged to my XXXX XXXX XXXX, but had not been credited to my Capital One credit card. 

After a month of waiting for the payment to clear with Capital One, I called Capital One on XXXX XXXX XXXX to inquire why the payment from XXXX to Capital One had not been credited. I ended up on a XXXX way call between myself, and agent from Capital One, and an agent from XXXX XXXX. An investigation was opened by both parties, and the issue was resolved, with Capital One reducing my balance by {$4300.00} + interested charges that had been made in the previous statement. At this time, I had also sent a certified letter to Capital One disputing the incorrect statement that did not reflect the payment they received and cleared from XXXX XXXX. After the corrections had been made to my Capital One account, I was under the assumption that the matter was resolved and over. 

I then received a letter from Capital One dated XXXX XXXX XXXX that stated a credit was incorrectly applied to my account and and they fixed it by debiting {$4300.00} to my account. 

Today, XXXX XXXX XXXX I called Capital One to inquire how the the correction was reversed. They stated, in a recorded phone conversation, that I requested that {$4300.00} be refunded to XXXX XXXX. I at no time requested that verbally or in writing, so from my understanding, Capital One made an unauthorized and illegal balance transfer to XXXX XXXX. The agent that I spoke with confirmed that this was not a cancelled XXXX XXXX  check causing the charge, but a check that Capital One made to XXXX, dated XXXX XXXX XXXX, check number XXXX. Again, this was not a request that I made through any official channel, online, or verbally. I stated that the payment was unauthorized and that I would like to open an investigation into the payment, and that I dispute the payment made to XXXX. I was told that the request for that payment to XXXX came from XXXX, and that I XXXX not dispute it or open an investigation, and that I needed to contact XXXX. I was also told that they can not tell me who or what XXXX  is, connect me with them, or open an investigation regarding how XXXX  determined that Capital One needs to send a payment to XXXX. Essentially they said that the error that Capital One made is not their problem and I have no recourse with them to resolve it. 

The purpose of this complaint is to resolve the illegal and unauthorized balance transfer from Capital One to XXXX that was made without my consent or request, verbally or in writing. This was an error on Capital One 's side, and should not be my issue to solve with XXXX. I expect Capital One to resolve this as they made this illegal error. Failure to do so will lead to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2019. I received a notice from my credit monitoring company that a New Open collection was placed on my credit report. ( Southwest Credit Systems ) located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. They are claiming that I owe them {$410.00}. Yet, they have not proved that they are allowed to collect this debt, or that this debt actually belongs to me. This Company did follow proper FDCPA, laws and because they place this bogus collection on all three of my credit reports, this debt collector is unaware of my case ( through error or negligence ) without proper validation of this debt my day to day, life activities have been destroyed. FDCPA, law also states a collection company/debt collector must send you proof that it owns or has been assigned the debt by the original creditor. Verification that you owe the debt and the amount of the debt needs to include documentation from original creditor. This said collection account was also included in my bankruptcy, had they contacted me properly, and or my attorney they would know that a current Chapter XXXX, is currently in affect. Which, all collections activities are protected, and could off had immediately correct its action after learning of the bankruptcy case. I seek that this negative, bogus, information be deleted from my credit report immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$1000.00} into a saving account to fund a secured credit card in XX/XX/XXXX. On XX/XX/XXXX, I verbally requested to close my credit card and have my deposit returned. I was told by the representative that the funds would take up to XXXX business days to be returned. Following up on XX/XX/XXXX, the representative told me that my situation needed to be escalated with a request to release my funds. That process took 5-7 days. Following up today XX/XX/XXXX, the representative explained that the last rep did not submit the request so I have to wait another XXXX days for my funds to be available to me. This whole situation is a huge inconvenience. Im currently out of work and need access to my money to purchased basic essentials. Theres been no transparency on whats happening. Im powerless against an institution that seems to do what they want.

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 2020-01-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As of XX/XX/XXXX XXXX XXXX my previous loan servicer for the past 10 years and my current loan servicer Select Portfolio Service starting XX/XX/XXXX has failed to communicate with each other regarding the incorrect monthly payment amount of {$4300.00} With Property value of over {>= $1,000,000} according to XXXX XXXX. As of XX/XX/XXXX Incorrect information is being reported to the consumer credit reporting agencies that my mortgage amount monthly is {$4300.00}. By supplying incorrect information to Consumer reporting agencies I lost my leased car and I was not able to finance it due to low FICO score. 
XXXX never admit it or made any effort to correct their mistake by doing the right thing and fixing my monthly mortgage payment did the amount that I am legally supposed to pay. 
I have evidence of registered letter and making phone calls to XXXX XXXX  and filing a complaint regarding my case with the consumer Financial Protection Bureau asking XXXX to please make correction to my monthly mortgage. All my phone calls were ignored and my letters that I send certified mail was not acknowledged. ( Responding back to Consumer Financial Protection Bureau XXXX XXXX  clearly stated that my property value is XXXX dollar or more and I am legally obligated to pay {$4300.00} XXXX  and they are not willing to make any correction in what there are reporting to Consumer reporting agency is also correct. ) I am providing XXXX XXXX and Select Portfolio Services with the documents that I have from XXXX County and the statements that I printed from the website of Select Portfolio Services and XXXX   XXXX servicer as evidence the XXXX  was dealing with me unfairly and I was right all along I had a document from XXXX County saying that my property value is only {$800000.00} in my exemption is {$7000.00} so that brings down the value of my property not up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: AMERICAN EXPRESS COMPANY
State: MD
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 never made this application on XX/XX/2022. I never signed any documents for this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
Company: Atlanticus Services Corporation
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: Account status incorrect

Complaint:
FORTIVA is reporting my account # XXXX as a CREDIT CARD on my credit files. This account should be reporting as a LOAN. I just at the beginning of this 0 % 60 month term loan, therefore the balance is still high, due to it's my first year paying on it. This is causing my credit score to drop horribly because by Fortiva reporting it as a credit card instead of a loan, it's showing that I have a high utilization rate. 
Please update this account from reporting as a credit card to reporting as a installment loan. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
WELLS FARGO is reporting my account # XXXX as a CREDIT CARD on my credit files. This account should be reporting as a LOAN. I just at the beginning of this 0 % 60 month term loan, therefore the balance is still high, due to it's my first year paying on it. This is causing my credit score to drop horribly because by wells fargo reporting it as a credit card instead of a loan, it's showing that I have a high utilization rate. 
Please update this account from reporting as a credit card to reporting as a installment loan. Thank you!

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 2017-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel  and initiate litigation to compel correction of my consumer credit profile. 
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns.
1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) Capital One Bank, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX, account number XXXX ; 6. ) XXXX, consumer number XXXX Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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:
Have made several attempts to the 3 credit reporting agencies along with XXXX XXXX XXXX to notify them that I have been a victim of identity theft by my ex-husband. They continue to claim that the information has been verified. How can it be verified if I have enclosed my Identity Theft Report. and my consumer report is still not accurate. For that reason I have been unable to refinance on my home per the Final Judgement of the Dissolution of Marriage deadline. I will also enclose of copy of the judgement as additional proof that my ex-husband has agreed to pay that account. Their blatant disregard to my request has caused me to have been denied of financing. I am now demanding that the XXXX account XXXX be deleted IMMEDIATELY or I will have no choice but pursue litigation for the damages that has occurred to my livelihood. I am also requesting that all inquires be removed from my report IMMEDIATELY for I didn't provide written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter from Comenity Bank requesting me to call them to finish processing a Kay XXXX credit card account application that I did not initiate. The letter is dated XX/XX/2022. My name is spelled incorrectly on the letter. 

I did not make any attempts to process a credit application with Kay XXXX nor have I at any time. I did not apply for any new credit accounts with Comenity Bank although I have in the past and do have existing active Comenity accounts. I have not attempted to open any new credit accounts with any bank or creditor within the past 3 months. 

This is the second notification I have received about an attempt to open a credit account in my name in XX/XX/2022. The first was reported to me by XXXX XXXX. They notified me that there was a new hard inquiry on my XXXX account from XXXX on XX/XX/2022. I contacted XXXX the following morning and put a freeze on my credit. I also reported this inquiry to the FTC on the morning of XX/XX/2022. 

The letter from Comenity Bank arrived at my house in the mail this week. The letter is dated XX/XX/2022. I have not seen any new accounts on my credit report. I am checking it daily. I have only seen the new hard inquiry from XXXX which I would like to be removed from my credit report as it is a fraudulent inquiry.

Company response to consumer: Closed with non-monetary relief