BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card account with XXXX XXXX that went delinquent for several months and the account was eventually closed. XXXX XXXX  then sent the debt to Cavalry SPV I LLC which is a debt collection agency. By this time, I already enrolled in a debt consolidation program thru XXXX XXXX XXXX. The amount owed at the time was {$4000.00}. XXXX XXXX worked with Cavalry to see if a settlement could be reached. On XX/XX/21 a settlement offer letter was sent to me after both parties finally reached a agreement. Cavalry agreed to accept {$2000.00} instead of the original debt of {$4000.00}. Four payments of {$520.00} was scheduled for XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. Payments were made and successful for the first three dates. However, the last payment was rejected by Cavalry. The debt was then sold to a 3rd party collection agency ( XXXX XXXX XXXX. ) seeking the original amount of {$4000.00}. I never received credit for the first three payments {$1500.00} ) nor did I receive my money back. The 3rd party is currently taking me to court for the full amount with XXXX XXXX full support. First they went back on the settlement that was reached, then they basically took my money, and now they want to take me to court for the original amount. This is just wrong and so unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: EQUIFAX, INC.
State: VA
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting approved, trying to get cards. The account listed below is not mine. I sent in multiple letters and haven't received any response. I don't understand why is this taking so long. Please help List of the account that doesnt belong to me ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, INC.
State: IA
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
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:
I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I have never done business or opened up a line of credit with 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 XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX # XXXX, this is a error please delete at once. I have a FCRA 611, 623, 609 DISPUTE for a late payment this is not accurate please delete. I have never been late on my PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! 
Information belongs to someone else PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. State FDCPA Laws I fail to see is in compliance with sTA OHIO LAW 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report where with XXXX XXXX has not even tried to contact me regarding this Fraudulent collection if they had done so they would have known they had in fact Purchase two fraudulent third party collection accounts. Please have them remove this collection account immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID

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 2020-07-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposit check by Mobile deposit on XXXX with {$250.00} and the check has my name on it and deposit it in my checking account in TD Bank and on XXXX that money token from my account and i called bank many times and for each call they said diffrenet reasons and one of reasons that i deposit the check two times and i didn't and i have prove from the bank that i didn't but last call they said in XXXX the check deposit in diffrenet place ( it is not me ) ... and i am not trust the bank and trying to neglact me many time, ,even if somebody found the check and deposit it ( for who this check and with whom name and who deposit it first ) ..check number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This situation is causing me significant distress, as I have always paid this account on time and have never been late. It is frustrating and ridiculous to see this error on my credit report, and it is affecting my ability to sleep properly. I am earnestly requesting that you update my account as soon as possible to rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
YOU ARE LIABLE FOR VIOLATING MY RIGHTS! 

I am addressing the fact that you were furnishing inaccurate information on my consumer report. You have now deleted the account # XXXX XXXX XXXX XXXX off of my consumer report that should not have been there from the beginning. This proves that you did not exercise your grave responsibility with fairness and impartiality. You are liable for willful noncompliance. Please pay the invoice pursuant to 15 USC 1681n. 
Your company inaccurately and falsely reported information on my consumer report that resulted in defamation of my character. I have been denied my right to extend credit and have been discriminated against as a result of your deceptive practices. You made creditors believe that I was in debt and you could not prove that to be valid. If the debts were valid, you created a false impression that I was unable to handle my business and pay the alleged debts. Ive suffered sleepless nights and emotional discord as well as financial strain because of your company falsely reporting information. Therefore, your company is liable, pursuant to 15 USC 1681 ( o ).

According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Diversified consultants is continuing to call & harass me despite me telling them everyday, MULTIPLE times per day to STOP calling me. 
Some of the phone numbers they're calling from are XXXX, XXXX & XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: EQUIFAX, INC.
State: WI
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:
During mid XXXX I began to dispute the inaccuracies on my credit reports with the 3 Credit Bureau 's Equifax, XXXX & XXXX. I requested that my reports reflect my corrected legal name & current address along with that request I requested that they remove a couple unverified collection accounts and a public record that was listed. 

I formally asked these 3 Credit Bureau 's to legally investigate and verify the inaccurate information being reported on my credit files but all 3 have failed to do just that. I've been disputing these inaccuracies for the last 4 months with no resolution of the inaccurate information being reported in my credit files. 

The inaccuracies being reported are listed below by Credit Bureau 's : EQUIFAX XXXX XXXX bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XX/XX/XXXX Unknown Creditor : XXXX Date Opened : XX/XX/XXXX Amount : {$120.00} XXXX XXXX : Account # : XXXX Amount : {$410.00} XXXX XXXX : Account # XXXX Amount : {$1100.00} XXXX  XXXX XXXX Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XXXX XXXX : Account # : XXXX Amount : {$410.00} XXXX XXXX : Account # XXXX Amount : {$1100.00} XXXX XXXX XXXX Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XXXX XXXX : Account # : XXXX Amount : {$410.00} XXXX XXXX : Account # XXXX Amount : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
For XXXX and XXXX years I have tried to settle a debt with XXXX as I am XXXX and had no income at all. 
XXXX XXXX XXXX has called me daily as well as harassed my mother in law with XXXX in Florida telling her to pay them, my XXXX daughter in XXXX, my husband my sister in law in Washington state, and my husband. By texting, calling and leaving them voicemails. They have now been sending letters. I have asked them to please stop, and they have become more threatening. Doxing my personal information to people. My age, name, addresses and phone numbers as well as debt information. 
I am fearful and afraid daily.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2020-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$11000.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Continuing to verify Midland Fundings collection account as 120 days past late with an XX/XX/2022 late payment. This is false. I have not entered into a payment agreement with Midland Funding. Midland can not mark my collection account as 120 days past due. They are not creditors and I have no payment plan with them that would allow them to continue negatively impacting my credit with this lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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:
Equifax and XXXX are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX XXXX XXXX # XXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX XXXX XXXX XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX XXXX can not provide requested information the credit bureaus must delete it. XXXX already deleted this account based on the lack of ability to properly verify all reported information being accurate. What did Equifax and XXXX receive different from XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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: Was not notified of investigation status or results

Complaint:
The following accounts were charged off. Upon reviewing my current credit report, the accounts have been repeatedly updated as a charge off every month. My understanding is that charge offs should not have an active payment history. This is not legal as it unfairly manipulates the statue of limitations. Ive disputed this multiple times with XXXX and Equifax and they have not responded nor removed the accounts. One account in particular XXXX I paid it off but then in XXXX of XXXX they updated the account by adding late payments made in XXXX which dramatically reduced my credit score. The account was closed but when I sent them a dispute letter they added late payments from XXXX. XXXX should not have went in a closed/paid off account and added late payments from XXXX. 
I am requesting that the following accounts be deleted immediately : XXXX Acct # XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
12 U.S.C. 1825 ( D ) The entity is not following principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions 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 Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2016-01-23
Company: DISCOVER BANK
State: MA
Product: Credit card
Issue: Billing statement

Complaint:
For five years I have never been late on a payment with the merchant. The company, despite receiving returned emails and messages that my phone numbers were no longer in service reported me to the credit agency for my delinquency. The FIRST time the company contacted me by physical mail on XXXX/XXXX/16 I immediately contacted the company and offered to pay the full amount of my bill off but inquired with XXXX XXXX in the CMA department why they did not send the physical mail to me before reporting me as delinquent despite knowing that my emails and phone numbers were both coming back as not being in service. For a simple cost of a stamp my credit would have been saved and I would have paid instantly. My credit took a XXXX point hit for an trivial balance that I would have paid if I had any knowledge of any outstanding balance. The company charged usurious interest rates + late fees of over 350 % APR on this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The original debt was a medical deb I was insured by my father and was 18-19 years old and my father was paying my bills.The original amount was {$830.00} in XXXX. XXXX was called many times and they said they would pay the bill but never did. 

Ray Klein Inc. dba XXXX XXXX XXXX held the debt to accumulate interest, then got a judgment in XXXX. I was never notified of any action taken against me for this bill. In addition, I was under age so this claim could not be filed against me. 

These debt companies are not only engaging in illegal activities and unethical conduct.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please see the attached validation of debt letter that was sent certified mail to United Revenue Corp on XX/XX/209 requesting validation that this debt belonged to me, specifically a document with my signature on it. The last name on the letter they provided is not my last name. Furthermore, the letter, which I have also attached, does not provide any information ( a document with my signature ) or proves this debt belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I comommunicate to you because i have problem with Nelnet loan service Inc. The problem is the account already pay long time ago. Nelnet still have the account negative in my credit report. They have the account 120 days past due. And term monthly XXXX. I duspute with XXXX  that account and still negative. It no fair that account have more than 5 years affect my credit score it already paid. The reason i paid that account to fix my credit no to affect my credit.please help me to remove from my credit report.

Company response to consumer: Closed with explanation