BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
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:
Portfolio Recovery has been erroneously reporting on my credit file. With the help of credit bureaus providing previous and current reports that Portfolio Recovery has changed information on my credit file and has incomplete information. They have continuously ignored my disputes about an alleged debt and have not provided any valid information, but will only comment that I disagree. I have obtained my phone records and have noticed that Portfolio Recovery is calling my phone every quite often, some days multiple times a day and hanging up. That is considered harassment. 
All information stated above is clearly a violation to my rights as a consumer advised by the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my XXXX water account in full XX/XX/XXXX, Southwest credit systems called attempting to collect {$330.00} in XX/XX/XXXX, I verified with the XXXX XXXX XXXX all bills had been paid and informed SWCS that the account was paid in full. SWCS Called back again in XX/XX/XXXX attempting to collect the same debt. I informed them again the debt was paid in full in XX/XX/XXXX. In XX/XX/XXXX SWCS put a collection on my credit report, I informed them again that it had been paid and I could send them proof, they informed me the only way to send them correspondence was via mail. I spoke with a supervisor and she said she would verify with the XXXX XXXX XXXX the account was paid and I have not heard back. I disputed the record on experian and it was upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Request deletion of account as information is not accurate per FCRA 611. Plus this is double " jeopardy ''. And the account does not have LAST DATE OF ACTIVITY. 

Please provide method of verification. 

XXXX  Report This is account is being reported twice on XXXX  as XXXX XXXX XXXX  Charge-Off # XXXX with balance {$0.00} and credit limit of {$400.00}. 

Then reporting again with XXXX XXXX XXXX # XXXX with a balance of {$1000.00}. 

TransUnion Report The account is being reported twice again, but as XXXX XXXX XXXX # XXXX with a balance of {$1000.00} Open in Collections, which is another violation of the FCRA.

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 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Frauding scams using my family 's death record as business permits and IDs scams frauding closed out social security data and frauding a private grave using XXXX Frauding scams using my elementary School documents of XXXX XXXX Indiana of XXXX elementary School as others states business permits and towns and governments Frauding scams frauding XXXX XXXX XXXX XXXX as herds of XXXX towns and XXXX IRS retailers store 's and business and in all states that pulled that listed IDs scams familys and business permits and food products frauding my XXXX  XXXX Indiana of XXXX county Indiana birth certificate and families documents of XXXX county Indiana and XXXX Indiana..

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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my 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 2020-08-26
Company: CAVALRY INVESTMENTS, LLC
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: Old information reappears or never goes away

Complaint:
On XX/XX/2018 Cavalry Portfolio Services added a derogatory mark on my credit report profile per the credit report on XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debt collector did not verify the collection. Also, there was no written form of communication for contract or signature for this accused debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In early XXXX I bought XXXX XXXX dollars of a crypto called XXXX on Coinbase at around XXXX dollars. In early XXXX I added to my position and bought another XXXX XXXX dollars of XXXX for around XXXX dollars. As of today XXXX is XXXX dollars which brings my account on coinbase to nearly XXXX XXXX dollars. Over a month ago Coinbase deactivated my account for an unknown reason and has not resolved the issue since than. I have a open long position of chainlink I am unable to cash out since coinbase will not let me access my account I have submitted a support ticket ( Case # XXXX ) with nothing resolved. I have submitted a formal complaint ( Complaint # XXXX ) with nothing resolved. Coinbase has robbed me from my money and an active open long position worth nearly XXXX to date. Please help me access my account to get my money out of Coinbase. I have attached the last email I have received from Coinbase on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: OneMain Finance Corporation
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: Information belongs to someone else

Complaint:
This account doesn't belong to me. I have a court order Declaring me a victim of identity theft. As well as a document from the District Attorneys office. I've contacted Equifax and OneMain financial but yet Equifax continues to report even though they were provided a court order. The account that is incorrectly reporting is OneMain Account # XXXX the balance is reporting as {$5300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I was contacted on XX/XX/2020 at XXXX XXXX. From, XXXX XXXX calling from telephone number:XXXX. This collection agency was calling on behalf of XXXX XXXX XXXX, In a previous call, I asked the company to cease calling me ; and that I prefer to only deal with the company I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I submitted a dispute for inaccurate payment history from XXXX XXXX XXXX. XXXX reported my XX/XX/XXXX payment as 30 days late ; however, this mortgage was paid off on XX/XX/XXXX. I submitted a document showing the payment record from XXXX to Experian, and disputed this with the company directly. Both XXXX and Experian have refused to remove this inaccurate information 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 2020-05-14
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: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX  XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
contacted XXXX on XXXX company refused to investigate late payments on account sent letter saying i was using a credit repair company. Covid -19 has reduced my income and i cant afford to pay some one .im requesting that these late payments be removed.

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 2020-08-26
Company: CarMax, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Carmax did not honor this negotiable instrument. Payment was tendered for the complete amount in Accord and Satisfaction upon redeeming the instrument ( see attached ). Carmax accepted said payment in full and are still saying that I owe them. Carmax is in violation of 18 USC 1951 which states even if one makes a payment willingly, which I did because I felt forced and obligated to do so, against my will, payment was in fact made and they accepted that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Over the past XXXX years I have made several attempts to remind CAPITAL ONE of their duty under the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act. My records indicate that CAPITAL ONE is reporting an account on behalf. By sharing my nonpublic personal information to NON AFFLIATED THIRD PARTIES. To my knowledge, I no longer have an account with their company. 

Under the Gramm-Leach-Bliley Act a former customer that " has obtained '' a financial product or service from a financial institution but no longer has a continuing relationship with it. For purposes of your obligations under the Privacy Rule, a former customer is considered to be a consumer. 

The Privacy Rule protects a consumer 's " nonpublic personal information '' ( NPI ). NPI is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise " publicly available. 

CAPITAL ONE failed to provide a privacy notice, including an opt-out notice prior to sharing my NPI with these nonaffiliated third parties. 

XXXX XXXX XXXX CAPITAL ONEXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
IM NEW TO PAYPAL, MY GIRLFRIEND SEBT ME SOME MONEY THROUGH XXXX XXXX  FOR THE LIGHT BILL AND I LINKED MY XXXX XXXX CARD BECAUSE I DONT HAVE A BANK CARD AND THEY SAID IT WAS PROBLEMS WITH THE CARD. I DONT UNDERSTAND WHY MY FUNDS WERE PUT ON HOLD AND THIS IS FRUSTRATING THAT I CANT PAY MY LIGHT BILL. PLEASE GET BACK TO ME
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Convergent Resources, Inc.
State: GA
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:
The company Convergant is attempting to collect a debt which was discharged on XXXX XXXX, 2010 in my Chapter XXXX bankruptcy. The debt from the original debtor XXXX is no longer owed.

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 2020-01-29
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new account and deposited my paycheck to Huntington. Within 24 hours without being told why or that it was even happening they freeze then closed my account. After extensive questioning Im told I can go in to a branch to receive my check. Once I go in Im told I cant get my money they have to mail it to me. From day one theyve denied me access to my paycheck even after its clearing. Now Im being told that even though theyve cashed my check I have to wait a week for them to mail me a check for the funds. This has caused me extensive late fees, possible disconnect, and made my son miss his scouts events because I couldnt even get gas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have written several letters to Transunion Credit Bureau about remove the below unauthorized inquiries thats part of their inquiry issues. 

1. XXXX XXXX Inquiry from XX/XX/XXXX 2.XXXX XXXX Inquiry from XX/XX/XXXX 3. XXXX Inquiry from XX/XX/XXXX 4. XXXX Inquiry from XX/XX/XXXX 5.  XXXX XXXX Inquiry from XX/XX/XXXX XXXX. XXXX XXXXInquiry from 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 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 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 2021-03-02
Company: Resurgent Capital Services L.P.
State: DC
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 various complaints regarding LVNV LLC an erroneous item on my consumer report. I would like to point out a few violations that both LVNV and XXXX  and XXXX has violated. First after disputing the alleged debt documents was received that show that my personal identifying information was shared with third parties which is identity theft per 12 CFR 1022.3h as written consent was not given to none of the aforementioned Corporations. In addition as mentioned before the debt collector violation 15 USC 1692c ( a ) when they communicated with the consumer with consent. However to close this out and to point out the violations of XXXX  and XXXX they are as follows.

Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from your credit report. 

Per the FCRA 15 USC 1681b ( a ) ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This is my written instructions to remove the erroneous LVNV LLC account from the credit report and credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct.XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Stillman Law office LLC XXXX : [ XXXX XXXX Ct file No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Stillman Law offices Llc I am responding to your contact about collecting a debt. You contacted me by mail on XXXX XXXX and identified the debt as XXXXXXXX XXXX XXXX bought this account from XXXX and XXXX auto loan .I do not have any responsibility for the debt youre trying to collect. The statue of limitations applies to this debt, therefore, I do not owe anything. 
Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
This two accounts are reporting as late on my account and its incorrect pls fix it. I called both XXXX and XXXX XXXX and they told me they are incorrect an are not reporting it on there end. As a consumer, you have the legal right to dispute the validity of any collection, inquiry, or account on your credit report. Upon doing so, the debt collector or the company who performed an inquiry must provide documented proof that they have followed all applicable laws and regulations. If they fail to provide this proof, then the credit bureaus are required to remove the negative items from your credit report Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX   XXXX  Account Number 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 2020-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020, I received a call from Bank of America for a credit claim in my name. I did not request this credit claim and did not authorize anyone to do so on my behalf. The amount in credit owed is {$2300.00}. I am an existing customer of Bank of America. I have already notified Bank of America of the claim being unauthorized. They locked my account under suspicion of fraud. I was a victim of identity theft and those funds offered through the claim were sent to people I do not know through bank transfers and XXXX. The amount taken out of the account was approximately {$2800.00}. This included over {$450.00} that was already in my Bank of America account. I called through multiple directories of Bank of America about my situation, opening my account or clearing this claim. They have closed my account and revoked the claim but still require me to pay the debt of the amount the claim is in.

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