BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: Resurgent Capital Services L.P.
State: SC
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 has also not mailed me any documents for my right to dispute, I am requesting documentation with my handwritten signature verifying that this debt is mine. My account has been flagged for potential identity theft and I do not own a credit card with XXXX XXXX. 

They have not sent any written contracts with my wet signature or a full disclosure. This debt collector has also violated 15 USC CODE 1692b which states : 15 U.S. Code 1692b - Acquisition of location information ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; They have also broken 15 U.S. Code 1692f - which states Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

In fairness, I am requesting LVNV FUNDING LLC cease collection efforts as I have not agreed nor written any contracts stating I will make any payments to them in regards to this account or I will be compensated XXXX per violation in monetary relief under XXXX5 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I also did not agree for my debt to be sold from XXXX XXXX this is another violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$9700.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$8800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$3200.00} XXXX, XXXX & XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXXBalance  : {$20000.00} XXXX  XXXXBalance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$9700.00} XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$8800.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXBalance : {$3200.00} XXXX, XXXX & XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXXBalance : {$20000.00} XXXX  XXXXBalance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi, I received a credit alert about a Major Derogatory Account and the company is HUNTER WARFIELD. I see they are a debt collector. I haven't heard of this company, received any contact from them and I have no idea how this got on my credit report. I pay all my bills and on time. I'm not sure how they can do this legally but this on my credit report and has affected it negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: BAM Management US Holdings Inc.
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Since XX/XX/2022 Binance.US is holding my digital currency assets ( currently valued over {$41000.00} ) without my consent and not allowing me to freely trade and transfer anything even though I have have complied with all of their requests for account verification and accurately provided all the required documentation. They have been making questionable excuses about their work being backed up and delaying but have still not resolved the problem and continue to hold my funds without my authorization after several weeks. I have sent several emails and had conversations with their application support chat team to follow up and they have still not allowed me full access to my assets. I need them to return all of my belongings immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original debt was with a timeshare we signed up with and then backed out of. We paid the amount of {$5300.00} with our Barclays Card in a down payment and we subsequently paid it immediately with our XXXX XXXX checking account for a product that would not work so we CANCELLED as called for in our agreement We called our bank to refuse the charges our bank refunded the balance ... ..When the charge then showed up on our credit card we spoke with Barclays and disputed the amount with the card as fraudulent because the product didnt work as promised. The travel company. Cant remember the name ... .refused to reverse the charges and BarClay then refused to credit the amount to our account and started collection procedures. The travel agent actually lives in XXXX so we cant reach him and we shouldnt have to.contact him This account got confused with amother travel account with the same name PRIVILEGES  which we paid for and used all the rewards from it. Because of the confusion of one working and one not working Barclays was under the impression we owed for the XXXX transaction as well. We refused again to pay so they again started collections. Please help us get this DELETED from our credit report. Im XXXX yrs old and dont NEED credit but am a XXXX and dont want this on my record cause its a debt I do not own or owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, 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:
This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My son went to hospital for XXXX & XXXX XXXX XXXX XXXX but he didnt live at home. Im not responsible for someone not living under my roof or care so I want it removed from my credit.

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 2022-08-01
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XXXX of 2021 I closed my XXXX XXXX account, I took the equipment I had of their to the XXXX store ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX and closed the account. The person at the counter said the account was closed and all equipment is turned in and I owe nothing. About week or so later I received a bill stating I still had equipment, I returned to the same XXXX store and the person at the counter stated, all equipment had been turned in and that my account was closed and paid in full when closed. Then XXXX sent me a bill for the month of service when they said I had equipment that I didn't have and the XXXX store confirmed. I spoke to a lady over the phone from XXXX and told her this and she got angry and rude, I told her I didn't owe anything, that all equipment was turned in and the had been closed. She said she'd elevate this and hung up on me. A year plus had pasted and the Amsher Collection Services sent me a bill for the closed account XXXX XXXX XXXX XXXX plus their fee. I contacted Amsher Collection Services and told them that I didn't owe anything and they stated they'd check with XXXX XXXX and XXXX immediately they sent me a bill stating they checked and XXXX said I owed them. XXXX XXXX XXXX XXXX owed {$49.00} and Amsher Collections states I now owe them {$59.00}. I don't owe either. I have tried to resolve this and no one from XXXX XXXX will assist me ( although XXXX did try to get me to become a customer again ). I have filed a complaint with the Texas States Attorney Generals Office against XXXX XXXX XXXX Again, I don't owe either company and never have, This started over a year ago, a False {$49.00} bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I contacted the original creditor on my report about a charge-off claim. They told me that they didnt have or own the debt. They gave me a number to a collection agency to call, who told me that they didnt have or own the debt either. The collection agency gave me another number to call, which was another collection agency, who told me the same. This CA gave me the number to the original creditor to call saying that they have the debt, in which sent me through a repeat cycle. I gave XXXX a call to dispute the account and told them about the experience. XXXX did their investigation and removed the account. I did the same with XXXX, who also deleted the account from my report as well. Ive disputed multiple times with Experian, online and by phone, to no avail. Experian has failed to do a thorough investigation of my dispute claim resulting in the negative account standing 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 2022-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022, I deposited a check into my Capital One checking account from my employer in the amount of {$1600.00}. The day I deposited the check, Capital One closed my account. I called them and I even went to the physical location, and they told me that they closed my account due to " suspicious activity ''. They also told me that there's nothing that I can do to re open it, and that they will send me a check with the balance that was in my account within 14 days. It's been almost 2 months, and Capital One hasn't send me any check or correspondence about this issue. As I mentioned, this check was from my employer and I need the money to pay for my living expenses. I've called Capital One numerous times and they continue telling me that this is under investigation and there NO time frame when the check will be issued and sent. They are basically telling me that it can take up to 10 years for them to send me my money back! I would really appreciate some help with this matter as I need this money to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: MS
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:
Mailed four written request to each credit bureau to dispute an unverified account on my credit profile. Under the FCRA you are required to have a copy of the original creditors documentation on file to verify that the information is correct. Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it. 

Received four written letters in return from each credit bureau after each investigation stating that the account was verified. 

Despite all four letters mailed I was never provided a copy of any documentation with my signature on it as requested. Yet, the account XXXX XXXX XXXX XXXX still remains on my credit profile unverified. According to the FCRA section 611 ( 5 ) ( A ) you are required to promptly delete all information which can not be verified. 

Date letters mailed : XXXX XXXX XXXX XXXX XX/XX/2022 XX/XX/2022 Account : XXXX XXXXXXXX XXXX XXXX # XXXX Amount : {$760.00}

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 non-monetary relief
Consumer complaint received 2022-12-10
Company: Chime Financial Inc
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was physically attacked on XX/XX/2022. My purse and keys were stolen during the attack. During the attack, they took my phone in my purse with all of my identifiable information in it. I used someone else phone to contact chime customer service to deactivate my cards but they refused because they said I could not authenticate my account. The Chime customer service rep had asked me to verify XXXX transaction from that day. I knew I had just gotten paid so I advised him of the amount of my check. And he said that he could not find the transactions. I attempted to call back and do the same thing twice. But they would not allow me to do so due to issues with the authentication. I was not able to file a dispute until the XXXX when someone was able to finally see the deposit. As a result, all of my money was stolen from the account. I submitted as much evidence as I could including a claim ID for the police report and my work schedule with the clock-in times. I believe they decided this was not sufficient because my job is based in a different time zone. I have to be at work at XXXX XXXX  mountain time which is XXXX oclock central standard time. Also, the representative that without the dispute included transactions that were automatic payments for some of my bills. When I ask her to fix it she said that she couldnt because it would automatically be denied my claim and I would not be able to Refile it. I had sent it to reach out to the merchants that she was not supposed to include in the transactions but it still resulted in my revolving account being shut down. I believe lithisbis the reason that my claim was denied. I also included a rebuttal asking for the claim to be reopened. I also asked for documentation regarding the dispute which they refused to give me. When I emailed the dispute specialist was informed that she could have noted the account so that the claim could have reflected my statement regarding the automatic transactions. It's been a nightmare trying to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have contacted TD Bank about a fraudulent credit card ending in XXXX. I have tried to resolve this matter with TD Bank and still there is no resolution. When I call the customer service, I am speaking with a different customer service representative every single time. I sent in a police report to the credit bureaus regarding this account. T.D bank is electronically verifying this account stating that it belongs to me because they are attaching it to my date of birth and social security number. I asked for written documentation about this account and I have still have not received the information. I asked for application, account information and details and this still has not been sent to me. This account is fraud and T.D Bank needs to remove this account from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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 delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did authorize the charges that appear on my credit report. I ask that the items be deleted to correct my credit report at the earliest convenience. 

Thank you very much, XXXX XXXXXXXX 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 2022-09-28
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX I contacted Quantum Collections in XXXX XXXX Nevada to setup a payment plan for a debt in the amount of {$880.00}. I signed a contract and set the payment plan up. Upon them telling me my first payment was almost half the amount owed it was also due on the first of the month when I had to pay rent. They did not want to help me and told me that either I pay the amount due or default on the agreement. I ended up defaulting on the agreement and left it alone. I was never properly informed that they were trying to come after me for said debt through the courts and never knew a judgement was filed against me in favor of them due to me failing to appear. In XXXX of XXXX I reached out to a new collection agency that now owns the debt, XXXX XXXX XXXX, they then forwarded me to their attorney who informed me of the situation at what happened. I told them I do not have the full amount to pay and they informed me that if I had half we could work out a payment plan. I then told them that I was currently XXXX and that I do not have half where then they allowed me to pay what I had at the time. While explaining to me that I can call and pay what I am able to when able to up until my return back to the state and if needed can put the rest on a payment plan. Not to long after they received my payment I did not receive a proper writ of garnishment before my bank was notified and funds were taken from me. I had to call my bank for them to email me the papers they were served. Shortly after I decided I would deal with it when I had got home, now it is XXXX of XXXX I am not home yet and they are still trying to garnish my wages in my bank account while I am still 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 2022-08-01
Company: SUNRISE CREDIT SERVICES, INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Reported : XX/XX/XXXX Collection Agency SUNRISE CREDIT SERVICES , INC XXXX 
Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXXE Account XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Account Number XXXX XXXX Original Amount Owed {$420.00} XXXX XXXX XXXX XXXX XXXX  Amount {$420.00} XXXX  Payment Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Status UNPAID Comments Contact SUNRISE CREDIT SERVICES , INC . 
XXXX XXXX XXXX XXXX, NY 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