BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-29
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Oportune Progreso Financial, sold a paid debt to a collection company and put remarks on my credit report that reflect new activity on a collection paid XX/XX/2019. This has dropped scores significantly and is impacting my ability to purchase a home using FHA loan finacing. 

When I spoke to a representative at Oportune Progreso Financial, he stated no information was available as the debt had been sold to another company. 

When I followed up with the company the debt had been sold to. Their automated system stated XXXX balance was owed. 

I believe the sale of a debt paid in full debt is in violation of the Fair Credit Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm filing a complaint against this debt collector for willfully violating my consumer. Pursuant 1692 ( c ) C I have not validated this debt and I refuse this debt. A debt collector does not have the right to tell a consumer they owe a debt. This debt collector has violated 15 usc 1692g they have not provided me the consumer the 5 things that constitute a validate debt. No statement/agreement constitute a validation of debt, that's an allegation. I deny all allegations. Pursuant 15 usc 1681 my consumer report is NOT suppose to include 1. Credit transactions arising from my credit card. 2. Any factual information. 3. Any credit transaction between me the consumer and them the person. Pursuant 15 usc1681n each violation has a {$1000.00} fine. I'm demanding this account be removed from all my bureaus reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am disputing the charge of {$42.00} interest made to my account on XX/XX/XXXX, leaving my account with a balance of {$42.00} due on XX/XX/XXXX. I paid my entire balance of {$2800.00} on XX/XX/XXXX, leaving a balance of {$0.00}. Imagine my surprise on XX/XX/XXXX, when I checked my account to find that even after I had already paid my entire balance as it was shown on my bill due XX/XX/XXXX to find that even though I had paid my full balance as shown on the bill, that I now owe more money? 
I called customer service as Capital One does not give customers the capability to dispute finance charges online as it does with disputed charges or purchases. I was then told that because I did not pay off my full balance for two ( 2 ) consecutive months that I was charged for interest in arrears for the month of XX/XX/XXXX and that is why I still owed {$42.00}. 
This is an unfair charge and should be removed from my account without further delay. It is unfair because there is no amount on the face of the bill which states : Note, if you have not paid your total account off last month, you will owe {$42.00} in interest in addition for the prior month to the charges shown. Also, if this is the case, {$42.00} should have been added into the balance to be paid in full and I would have paid it as part of the full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The Goldman Sachs Marcus card offered a {$150.00} statement credit upon reaching a certain spend limit within the first 90 days of opening which they failed to honor. After several letters to the office of the CEO, XXXX XXXX with no favorable result I cancelled the card. 

However, they continue to willingly and knowingly report false information to the credit bureaus by way of being listed as an open trade line on my credit profile. I consider this to be fraudulent in nature and may even have a negative effect upon my borrowing power since they continue to report the account as a potential liability. 

Caveat Emptor!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 removed late payment history and late payment information on a closed account over 7 years ago. I have repeatedly provided the credit reporting agency with my copy from XXXX XXXX stating they were removing the late payments. I have been on the phone with the credit reporting agency in XXXX and XX/XX/XXXX and also providing written disputes via their websites during the months of XXXX and XXXX and the information in error is still on my reports. Transunioin has still not removed the history of XXXX and XXXX  removed an XXXX but still have an XX/XX/XXXX which is supposed to be removed from the history payments along with any notification of late payments I have also attached a copy of the letter from XXXX XXXX XXXX XX/XX/XXXX that they were removing all late payment information from my account both history and written

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 2023-05-12
Company: LEXISNEXIS
State: OH
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:
This agency has been submitting and reporting false information unknown to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: TRUIST FINANCIAL CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a payment on XX/XX/2023 and was told on the call this would being my account current and wouldnt need another payment until XX/XX/XXXX. Immediately the next day, I started getting a hunch of automated calls ( some which I would answer and it would connect and hang up ). 
All the voicemails ( many ) say its past due and the letter I received dated XX/XX/XXXX says past due as well. Very frustrated - I cant get on my account online because it says my account is not current. I dont have time to keep trying to answer or call during my work hours. I just want this fix- I was told I was current until XX/XX/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 non-monetary relief
Consumer complaint received 2018-05-07
Company: The CMI Group, Inc.
State: IN
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 called XX/XX/XXXX to inquire about this debt. Credit Management , LP informed me that XXXX deleted this debt XX/XX/XXXX. And that it was withdrawn from my credit report XX/XX/XXXX. 

It still shows up on my credit report from the three bureaus. It shows up once from Credit Management , LP, again as XXXX, and again as XXXX account number XXXX as till owing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Access Financial LLC
State: NM
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 took out a loan with XXXX in XX/XX/XXXX. I made a payment of {$180.00} in XX/XX/XXXX. I can not afford {$180.00} every 2 weeks for 8 months. I stopped payment on my checking account. My desire was for the company to send me a letter and we could work out a payment plan. I have learned to not make agreements via phone calls as there is no written record. I started receiving emails and phone calls to my cell phone and my work phone. I told the caller that I could not receive calls at work. She kept calling. I replied to an email stating not to contact me by phone or by email. I requested contact by mail only. This was on XX/XX/XXXX. I am continuing to get emails and phone calls. I have kept these voicemails on my phone. Now the messages are threatening me with wage garnishment and legal action. To date I not received anything in the mail. They have listed this as a charge off on my credit report. I have disputed the balance. I borrowed {$1000.00} and the balance shows over {$2500.00} due in less than 5 months. I want this corrected. I also want them to stop calling me and emailing 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 2023-06-12
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:
This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 demand these accounts be deleted immediately on 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 2023-05-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This account does not belong to me, and I did not authorize anyone to use my account. Please remove this inaccurate account from my credit report. I have attached the necessary documents for your review.

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 2023-06-12
Company: Experian Information Solutions Inc.
State: NC
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX Balance : {$640.00}

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 2019-03-05
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was covered under XXXX  XXXX back in XXXX for my pregnancy and all my visits and scans were covered. i had a high risk pregnancy for the entire 9 months. i lived in the hospital trying to save my baby. My daughter was born XX/XX/XXXX and the insurance was terminated effective XX/XX/XXXX. Now in XXXX i have these bills in my credit report for the delivery and in my husband credit report as well. This issue has affected us tremendously. I contacted all 3 credit bureaus and provided proof of insurance and eligibility and had the accounts DELETED and slowly they come back again. I contacted the reporting agency and are constantly reselling the accounts. This is FRAUD. I'm trying to buy a house and this is blocking my family blessings. You must delete this from my record. I work too hard and pay taxes and INSURANCE for this mess. I HAVE COPIES OF ALL MY CREDIT REPORT FROM XXXX AND THESE ACCOUNTS HAVE BEEN RESOLD OVER AND OVER.

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 2022-03-16
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In the past I have been a victim of identity theft, and recently my credit alerts have been warning me of another derogatory item ( AARGON AGENCY INC ) ( Account Number XXXX ) which has now appeared on my credit reports. Balance of {$1400.00} I have no acknowledgement of this fraudulent 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 2021-06-01
Company: EQUIFAX, INC.
State: MO
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 and now I have accounts reporting on my credit files that doesn't belong to me. Also these accounts are now in ligation Therefore, I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} 3. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX  {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Paypal Holdings, Inc
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I was scammed by someone who got Venmo to pay them {$1400.00} from my account. Venmo tried to get funds back from my attached bank account but recognizing I was being scammed I immediately froze my account. Now Venmo calls me on a daily basis to get me to pay back the money. I dont feel like I am responsible because Venmo , as a financial institution should have recognized these transactions as fraud. Surely they had seen the same type of scam before and I feel they should have protected my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Checkr, Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I attempted to apply as a driver for the XXXX app XXXX on Thursday, XX/XX/XXXX. I consented to a routine background check that was to be conducted by the company Checkr. 
I received three emails on the XXXX from Checkr, which contained documents including a summary of my background check, fcra summary of rights, and several state laws pertaining to the legal handling of background checks. 
Upon the receipt of these summaries, I noticed an error in the reporting of my current address and license. My address was listed with an XXXX  zip code, where I have lived previously. My address since XX/XX/XXXX has been in XXXX. My license was listed as expired ; I was issued an XXXX  license in XXXX that is not set to expire until XXXX. 

I sent an email with the subject line 'Incorrect Background Check ' to XXXX on XX/XX/XXXX to detail the error on my background report and to request an update to my summary. I did not receive a response about this e-mail. 

I received an email with the subject line 'Post-adverse action notice - XXXX ' from XXXX on XX/XX/XXXX which contained this message : Mon XXXX XX/XX/XXXX Personal & Confidential Dear [ my name ] We are writing to inform you that we are declining your request for an engagement. Checkr, Inc., a consumer reporting agency, provided the Company with a consumer report in connection with your proposal to enter an independent contractor relationship. The Companys decision to deny your proposal was based in whole or in part on information contained in that consumer report and an individualized assessment of any additional information that you provided us. 

The Company considered these specific items when declining your request for an engagement : LICENSE STATUS : EXPIRED Checkr , Inc. is located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX and can be reached at XXXX or https : //checkr.com/applicant. Checkr, Inc. did not make the decision to take this action and can not provide you with information about the Companys decision. Any inquiries regarding that decision should be directed to the undersigned. You, nevertheless, have a right to contact Checkr, Inc. to dispute any information in the consumer report that you believe to be inaccurate or incomplete. You should already have received a copy of the consumer report, but have a right to obtain additional free copies from Checkr, Inc. You have 60 days from the date you receive this notice to request additional free copies of any such reports from Checkr , Inc. 

Thank you for your interest in the Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

HELVEY & ASSOCIATES INC are violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES. 
HELVEY & ASSOCIATES INC have used abusive, deceptive, and unfair debt collection practices.

HELVEY & ASSOCIATES INC have violated my consumer right to privacy, I NEVER gave them any my information directly and HELVEY & ASSOCIATES INC has committed the crime of IDENTITY THEFT.

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution.

I am holding the HELVEY & ASSOCIATES INC civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief