BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: Genesis FS Card Services, 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:
In accordance with the fair credit reporting act, this creditor XXXX - GENESIS RETAIL has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Lvnv Funding Llc is claiming that I owe {$430.00} for some debt, I have asked for some sort of verification. I have asked for a promissory note, or something thats says that this is my debt. All I can get from Lvnv is  what they say is the original creditor. They wouldn't verify anything, and at that point they tell me that they don't have to prove anything to me and ask what am I going to do about the bill, how am I going to pay the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
They are stating I owe an Alleged debt, which I do not owe. they have not provided 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 2023-10-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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 to with the Fair Credit Reporting act XXXX account name XXXX 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 an account without my written instructions.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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

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 2021-10-23
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ASSETCARE is giving out False information to XXXX of {$1500.00} and XXXX XXXX remove this debt collection for my credit report when I sent XXXX A copy of the bill. And I have a freeze and a credit monitoring alert on my account this that is incorrect when I have paperwork showing that the amount is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: Experian Information Solutions Inc.
State: MI
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:
Someone is attempting to open accounts in my name which is fraud. Please delete these inquries from my credit report because they are not being done by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account is being reflected as reporting to Credit Bureaus with inaccurate information by National Credit Bureaus. They are reflecting and amount owed does not match the account statement provided to me from a representative from XXXX XXXX XXXX XXXX the original owner of the debt. The balance they are reporting to credit bureau is {$2900.00}. Per the attached fee bill from the property the total balance owed is {$2800.00}. Credit reporting agencies are legally obligated to correct or delete inaccurate information. Also, as evidenced by the attached date on the e-mail received from the original owner I was never notified of the debt or given an opportunity to pay the debt to the property by receiving notification or contact from the property until XXXX XXXX almost a year after moving from the property. As the final account statement will show I moved from the property originally on XX/XX/XXXX. I should have received confirmation or notification of the debt within 30 days after the original move-out date from the property. Also the final account statement from the property is inaccurate and reflects charges not owed to the property by me for cleaning fees and damage to a tub in the master bedroom. Please see attached e-mail I have sent to the property to dispute charges as listed on the final account statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I completed a balance transfer in or around XX/XX/2018. As explained in my terms and conditions, the interest rate was a set percentage, but could increase. However, how that interest was calculated was on a per billing statement time frame for the balance transfer. I paid my card in full in XX/XX/2018, but I just received notice that I still owe a final " Balance transfer fee '' payment, event thought my account balance is 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 monetary relief
Consumer complaint received 2020-10-27
Company: EQUIFAX, INC.
State: MO
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:
Your company has violated the rules of the FCRA, my rights have been set aside. And if this is not corrected then I'll be forced to seek damages. I have repeatedly disputed this account " XXXX XXXX " but instead of removing it you keep reporting it. Inwhich you can not report accounts that was previously reported as an result of identity theft, nor can you re-insert an account inwhich was previously removed. And this account ( XXXX XXXX ) has been both previously removed in XXXX due to identity theft. However, it was re-inserted in XXXX. And this is Illegal on the behalf of you and your companies. Please correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: ALLY FINANCIAL INC.
State: MA
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:
After disputing this information since XX/XX/XXXX, Ally Financial continues to report inaccurate and constantly changing information. My account was reported as a charge off when it was paid in full. According to a letter received from Ally, It states that I called to set up a promise to pay on XX/XX/XXXX for the XXXX of every month, however, I did not make a payment on XX/XX/XXXX therefore breaking the agreement. But a payment was made on XX/XX/XXXX. Thats because I just set up the payment on XX/XX/XXXX and gave the person on the phone my card information but it was already after XXXX so the payment did not process until the next day! The response also states that the company reported the charge off in XX/XX/XXXX which is also inaccurate. It was not reported as a charge of until the final payment was made in 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 2023-04-25
Company: Upstart Holdings, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The inquiry XXXX must be removed from my account immediately. 

The reports has been pending for a while and Im waiting the response from the identity theft department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: CAVALRY INVESTMENTS, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Cavalry Portfolio Service is claiming that I owe {$460.00} for some debt, I have asked for some sort of verification. I have asked for a promissory note, or something thats says that this is my debt. All I can get from Calvary is a printout of some bill from what they say is the original creditor. When I receive it in the mail I call Cavalry and explain that this bill doesn't verify anything, and at that point they tell me that they don't have to prove anything to me and ask what am I going to do about the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been victim of identity theft, An identity theft report has been filed with the FTC filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Please remove all non accounts holding inquiries and send me a copy of updated 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 non-monetary relief
Consumer complaint received 2020-10-27
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX has a garnishment on my wages and have started to garnish my paycheck for a credit card debt that they had a default judgement on I have called them on XX/XX/XXXX to discuss and talked to a man who said his name was XXXX XXXX who stated that he could not talk to me about my account because there was an internal review on it I called XXXX XXXX  back on XX/XX/XXXX and talked to the same person who stated that I needed to contact the attorney XXXX XXXX which I have called her on XX/XX/XXXX left a message no return phone call from the attorney after further research I had created an account mjelliot.com to resolve this account and the account is not in the system my tax return was garnished for XXXX of XXXX which the court has a copy of also my tax return for XXXX was garnished in the amount of XXXX the court does not have a copy of XXXX garnishment of XXXX now my wages are being garnished for an amount of XXXX and no one is able to discuss my account with me but they are able to garnish my wages. I believe XXXX XXXX is overcharging me and they will not discuss my account with me I don't understand how XXXX XXXX a huge debt collector can't discuss my account with me and the attorney they hired will not answer the phone and my account seems to be a ghost since I can't even see what is owed or what was paid but they are able to garnish my wages and not speak to me about it I went to the courthouse and ordered the file and have found that there was no Account level documentation in that file alls there was, was an affidavit from a XXXX XXXX saying I owe this money. A distressed consumer with nowhere to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Delete In accordance with the fair credit reporting act XXXX account. XXXX XXXX # XXXX balance {$51.00} XX/XX/XXXXXXXX XXXX XXXX # XXXX balance {$890.00} XX/XX/XXXX XXXX XXXX XXXXr # XXXX XXXXt XX/XX/XXXXXXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX {$10000.00} XX/XX/XXXXXXXX XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXr {$520.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$260.00} XX/XX/XXXXXXXX XXXX XXXX  {$280.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$860.00} XX/XX/XXXX XXXXXXXX  {$710.00} XX/XX/XXXX HAS Violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 
15 U.S.C 1681 Section 604A. 2 : It also states a consumer reporting agency instructions.

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 2021-06-15
Company: Spring Oaks Capital, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company keeps contacting me, attempting to collect a fradulent debt. I have attempted to peacefully contact the company 4 times, in an attempt to get them to put me on their do not call list. I am on the national do not call registry, and despite this, they have contacted a total of 31 times. The company that they are claiming to be is Spring Oaks Capital LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
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: Account status incorrect

Complaint:
I had credit card with XXXX XXXX XXXX XXXX. They charged off this debt and sold it to debt collector. I settled with debt collector. However, they reported that I failed to pay in XX/XX/2018 even though it shows {$0.00} balance and account status as closed. 

I had similar issue with XXXX Bank. They charged of this debt and sold it to debt collector and it's still reporting past due amount of {$1500.00} as of XX/XX/2018 even though status says closed and charged off. 

They keep updating these periodically damaging my credit and it seems there is nothing I can do about it. Please help me. 

If you look at my credit report as of XX/XX/2018 you will see both a past due amount and account status as closed and payment status as charged off.

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 2020-10-27
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:
This is account is inaccurate and incomplete information is reported differently on XXXX, XXXX and TransUnion. Per the Fair Credit Act 611 this is a violation. Please see the attachment for XXXX # XXXX. 

Please delete 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 2023-04-26
Company: EQUIFAX, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX  XXXX XXXX Balance : {$400.00}, XXXX  XXXX XXXX Balance : {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My employer was notified about this, this year ( this is when I found out ). This is in regards to a credit card from XXXX XXXX  that I had in the early XX/XX/XXXX. This  debt was paid off. When I received the notification ( from my employer, XXXX XXXX ), I contacted a lawyer that advised me to go to the XXXX county court house and get a copy of the summons. Which I did. At which time I found out that they served my old place of residence, they served me at XXXX XXXX XXXX. I was no longer living there. I had not lived there in over 3 years. They never gave me an opportunity to defend myself at the time. 
After finding out about this " debt '' I went online to do some research and I was able to go to XXXX XXXX ( XXXX ) and I was able to log in just using the last four digits of my social security number. According to their website, I've made payments. I have NEVER made any payments to this company. When I paid off my credit card ( XX/XX/XXXX ) it was after XXXX XXXX XXXX took over for XXXX. My payment was made over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19
Company: WATERMARK CAPITAL, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Contacted Watermark Home Loans ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX ; XXXX ) in XX/XX/2018 for information on a new 30-year, fixed rate conventional mortgage on a home I was building in XXXX XXXX. XXXX XXXX was assigned as my mortgage broker contact ( XXXX ). On XX/XX/2018 we agreed to a loan for an approximate {$440000.00} total home value with 5-10 % down and a loan amount of {$400000.00}, and I formally submitted a loan application. The total value consisted of a primary home contract with a builder for {$390000.00} and a pool additional with a pool construction company for {$40000.00}. On XX/XX/XXXX after preliminary approval, I locked my rate and agreed to pay a {$500.00} appraisal fee up front. Appraisal was ordered and on XX/XX/2018, Watermark called me and stated that they were retracting their agreement and would not be able to include the pool in the loan, although the appraisal did cover that in the appraised value. They were now offering only to include the {$390000.00} home contract in the loan amounts, meaning I had to now pay the additional {$40000.00} out of pocket if I wanted a loan - and this was two weeks prior to the targeted closing date at that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Amex never sent the notice or explanation of why I reduced my limit from XXXX to {$700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29
Company: EQUIFAX, INC.
State: TX
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:
Equifax Sent a Confirmation # XXXX on XX/XX/2020 stating that the letter I sent them was not going to be used to remove the inquiries from my report. I had already stated to them that I noticed these unauthorized inquires on my report. They sent a computerized statement back saying that they were verified as factual. I advised them that I was protected under the Texas Business and Commerce Code 20.06 of Title 2 Chapter 20. I am also protected by Federal Law due to the inquires being reported inaccurately and the fact that I had to send out XXXX  letters and get the same response from the company is not going to work for me. I will be seeking legal counsel for the XXXX  round and I already have all evidence required for a County Court. So they need to obey the law or I'll being seeing them in court very soon.

Company response to consumer: Closed with explanation