BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-20
Company: COLLECTIONS USA, INC.
State: LA
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:
I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me XXXX Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. 
Acts 1986, No. 1031, 1. 

civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! 
The following accounts listed on my credit reports as follows XXXXXXXX XXXX provide me with a lease.. never lived in XXXX and company that us collections is trying to collect debt for is no longer in business.. Ive contacted this company no response. They cant provide a lease this is not me. 3 year remedy here in Louisiana where I have lived for 5 years. No contract

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Couch Conville & Blitt LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
We received 1 notice in the mail alerting of the debt owed. I went online and made a payment that I could afford at the time. The original debt was {$3000.00} via a credit card with XXXX XXXX. I made a payment of {$150.00}. 
About 2 weeks later before XXXX there was someone banging on my door. When I got to the door I saw an officer in full uniform, and panicked thinking something awful had happened. But, he was there to serve us papers stating what we owed and it did not reflect the payment I had previously made on their website. 
When we called to talk to them about the debt and offered to make payments they would not agree to not take further court action. They said that they were n't sure if the group of lawyers would agree, but that they normally do if we promise to payoff the debt in full with in three months. They said we would have to make {$200.00} payments each month until we pay the full amount within the three months. 
I found this completely disturbing since I had already initiated payment after the first letter. I felt they were trying to intimidate to demand payment faster. As a mother of XXXX XXXX children who were home with me I truly felt harrassed and threatened in my own home. I want to settle this and find the best solution to a horrible situation. I have also realized making any payment without a written offer is foolish and I have no written agreement from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: CAVALRY INVESTMENTS, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Cavalry Portfolio Services has placed a collection record on my credit account for a debt that was discharged and is not owed by me. They have also left messages on my phone vaguely threatening legal action in an attempt to collect a debt. The reported collection has negatively affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: JPMORGAN CHASE & CO.
State: IL
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 was checking the rates I would get for credit cards and was instantly approved and issued a card. This makes my credit score weaker since I now have a lower average length of time with accounts opened. I don't understand why you can't just check w/o having a credit card issued. I did not and do not want that credit card or the negative impact it has made on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt does not belong to me. Please, remove this debt 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 2023-09-19
Company: SECURITY FINANCE CORP
State: OK
Product: Credit reporting 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:
Security finance # 9 keep pulling my credit report without my permission 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Equifax is letting 3 party collection agencies Fraudulently put fraudulent remarks on my credit report, version closed years ago due to bad service and defective product, XXXX XXXX who owes me money for a bad car and down payment, XXXX XXXX XXXX XXXX Which account was closed at a zero balance As I disputed a rental lease scam and breach of contract and credit was provided as I did not recieve any letters for weeks and moved out Of that place cause it was so bad, company did not call my to tell me where to fax what hey neeeded in time and months later harassed Me with false claims, and there is a medical I know nothing about that keep fraudulently piping up when I had my own coverage for decades

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX refuse to even allow me to my account access online, mail services only. It's been over a month no response regarding the illegal financing of vehicle on credit report at 3 time the legal rate. 2nd Joined Experian to monitor credit monthly for a fee of course, I go on-line after getting a email stating good news about my credit, to find out all scores has dropped out the blue. I've paid, closed out account disputed accounts paid sent in proof to all 3 credit agencies, to show in fact items paid. Thru my banking information which is also verification of payments of all bills that don't reflect on credit. Just the fact credit was ran for services or credit which has also affected credit. XXXX XXXX has knowledge of illegal action by several agencies running credit without consent or permission due to illegal actions of XXXX XXXX illegal financing. Make a long story short because i'm been filing complaints with hopes to strengthen credit to buy a new home in the future. I cant do that with my credit score dropping every 15 days XXXX point unexplained unless I pay. I'm sick of it! I've been tracking every bill with hopes of resolving. XXXX is just there to support the negative reporting on reports. I've never had a utility bill shut off in 19 years of paying bills, no credit for that. XXXX XXXX bill paid every month in advance but will reflect last payment 2020 are you serious, but my phone on. Its just the small negative actions of the bureaus. 12 inquiries on reports of illegal actions of finance agencies are still on my report as if I said run my credit because XXXX XXXX finance my car at 3 times the amount, well I didn't. Its just sicken, how to be look down upon thru credit even tho you try to show your a responsible person or gain trust of others by making payments. It's just like giving a dog a empty bowl, knowing he hungry. I paid out my whole stimulus with hopes of bettering my credit to be treated as if .I don't 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 non-monetary relief
Consumer complaint received 2023-04-25
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX  XXXX XXXX XXXX  XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: IL
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 received a letter from Credit Bureau stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure Credit Bureau that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. 

1. The wrong amount is being reported XXXX XXXX XXXX Account XXXX : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Wrong date of opening is being reported. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have received Amex gift card, I start using it online and in store sometimes it works sometimes is not, so later it stop working in any stores or online purchases I ask the company for help but they just told me that everything is fine with my card and I can use anywhere besides XXXX. But it actually not works even if I have a balance over XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I XXXX XXXX ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH CHRYSLER CAPITAL ON XX/XX/XXXX. A CONSUMER CREDIT TRANSACTION IS A TRANSACTION IN WHICH A FINANCE CHARGE IS INVOLVED. PURSUANT TO 15 USC 1605 A FINACE CHARGE IS THE SUM OF ALL CHARGES IN A CONSUMER CREDIT TRANSACTION. BECAUSE I KNOW THE FINANCE CHARGE IS THE SUM OF ALL CHARGES I WAS NOT EXPECTING A BILL. ON XX/XX/XXXX CHRYSLER CAPITAL MAILED ME A BILL WHICH IS A VIOLATION OF 15 USC 1692B.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This falls into the fraud categorie, I was in XXXX  from XX/XX/XXXX and was released on XX/XX/XXXXso somebody use my information to obtain cable tv service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number  : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX PA Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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:
XXXX XXXX has failed to provide proof of debt that they are reporting to the credit Bureaus Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.

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 2020-12-07
Company: MoneyLion Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a transaction on XX/XX/XXXXat XXXX for XXXX dollars and some change which my bank MoneyLion took the transaction as a normal transaction. On XXXX I made another transaction with XXXX again for a different product for XXXX dollars and some change. So I canceled the first transaction with XXXX since I found the product I really wanted. My bank MoneyLion changes the date of the transaction which was XX/XX/XXXX and changes it to XXXX and holds the until XXXX. XXXX I check my account and the transaction is gone and the money wasnt put back in my account. I made sure my first order was canceled with XXXX before making the second transaction and I notified MoneyLion that XXXX already sent the money on XXXX which at this time the transaction was there and the representative confirmed. So now I contacted MoneyLion on XXXX and they can not find the transaction. This is not the first time this has happened to me with money being on hold and funds that where supposed to return never came back to my account. My question is can I take legal action against a financial institutions for stealing money because this is what they are doing. Ive had golds last a month in my account and When I call about it they disappear and MoneyLion claim they put it back. I watch my account and spending while and MoneyLion system is setup to where it doesnt show you the amount of money you have after each transaction like most banks. So I know for a fact Im not the only one having this problem because that alone shows no paper trail of misplace meant of money. The bank account only shows what you take out and deposit instead of the amount you have after each deposit and deduction. The complaint I have today I know they didnt put the money back and cant say they did because I took my money out after those transactions so the only thing should show is the adding my money back. I sent a picture of the transaction that was made on XX/XX/XXXXshowing it was canceled and not made on XXXX which is a transaction XXXX didnt make that they should be fixing since they are saying a transaction went in that day with that amount of money because it was not me. I even told them if I needed to make legal actions and I needed that info they change the date on me and I would look like a liar in court because my bank account says a different date form the real transaction date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
First, I have been charged student loan interest during the Government stay on Federal loans during the pandemic on multiple held loans by Navient. I will list each below. What they have done is taken off the interest amount and just added it to the principal of the loan. Resulting in my loan increasing during a lawful stay on loans. I'm sure this is not legal or complies with the lending standards. 

Fraud charge # 1 : XXXX XXXXUnsubsidized on XX/XX/XXXX of {$69.00} increase Fraud charge # 2 : XXXX XXXX-Unsubsidized on XX/XX/XXXX of {$240.00} increase Fraud charge # 3 : XXXX XXXX-Subsidized on XX/XX/XXXX of {$63.00} increase Loans XXXX & XXXX XXXX are also reflecting a 6.8 % interest active. 

Second, this caused me to look further into the insanely high balance reflected currently with my account. All these years I haven't had the time to dig in and pursue. I do have that time now. You are showing my total balance of {$76000.00}. 
Adding up all the loans reflecting on my account including interest, loans that were previously cancelled ( i'll explain this further next ), including all costs possible you have on there. I am coming up with a very different number. Including all listed the total amount actually is {$70000.00} at max. This does not include any payments made. Now, unless my calculator and education I paid too much for is failing me that is an issue on their part. I would like to think this would be a simple mistake or oversight from them, otherwise this would be taking advantage of students that are already struggling with costs for higher education. I would expect that to be corrected. 

Third, last but not least. There are a total of 5 loans from XXXX that have previously been filled on to be dismissed due to school fraud ( multiple lawsuits ) and closure. These loans are as follows. 

Loan # 1 : XXXX XXXX-Unsubsidized total {$2700.00} University XXXX XXXX Loan # 2 : XXXX XXXX-subsidized total {$740.00} University XXXX XXXX XXXX # 3 : XXXX Direct- subsidized {$3400.00} XXXX XXXX Loan # 4 XXXX Direct- Unsubsidized {$4200.00} XXXX  XXXX Loan # 5 XXXX Direct-unsubsidized {$530.00} XXXX XXXX Grand total {$11000.00} I can be contacted directly via email at XXXX Cell ( XXXX ) XXXX are the best ways to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus XX/XX/XXXX XX/XX/XXXX and Equifax ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received byXX/XX/XXXX XX/XX/XXXX and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been over 5 months from my first written request and more than 3 months since my second written request ( sent certified mail ) and I still have not received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i applied for a mortgage forbearance with Select Portfolio Servcing through the COVID Pandemic and has applied to the company for a Mortgage Modification and have been denied and the only thing offered to me was a short Sale of my home. It is my desire to stay in my home and not loose my home. 
I have found a HUDCounselor to help fight this issue and I need assistance in this matter. Attached is the Loan Information.

Borrower Name ( s ) XXXX XXXX XXXX XXXX XXXX Account Number XXXX Due By XX/XX/2021 : {$64000.00} Thank You

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