BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-30
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: Information belongs to someone else

Complaint:
I have been requesting information from XXXX XXXX be removed from my report. They removed 2 accounts from my credit due to not be able to verify them, but they recently added them back which is illegal. Once something is removed you can not add it back. They did this on my XXXX  report between XXXX and now. For account beginning XXXX, on my XXXX it shows the account was opened on XX/XX/XXXX and show date of last activity as XX/XX/XXXX and the original creditor as XXXX XXXX and on my Equifax, it shows XXXX opened as XX/XX/XXXX, date of last activity XX/XX/XXXX. This is definitely not my account and is blantantly obvious that it is inaccurate. How can an account be opened on XX/XX/XXXX with the date of last activity showing as XX/XX/XXXX. I submitted a previous dispute with XXXXXXXX XXXX due to the fact that this was not an account of mine and because XXXX  has not been accurately reporting my accounts and updating my report. On my XXXX  report this same account is showing date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. I ask that they verify and validate this account by providing an original contract with my handwritten signature. The next account with XXXX begins XXXX. On my XXXX report it shows date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. For XXXX  this same account shows date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. The same account shows on XXXX with a date opened on XX/XX/XXXX, date of last activity XX/XX/XXXX. You can not have a date of last activity that comes before the date the account was supposedly opened. This company has been purposely padding my reports with incorrect information. The more I dispute the inaccuracies, the more they pad my reports with fraudulent activity. The next account begins with XXXX with XXXX. On my XXXX it shows the account was opened on XX/XX/XXXX, date of last activity XX/XX/XXXX, on XXXX it shows date opened XXXX and date of last activity XX/XX/XXXX and for Equifax it XXXX date opened as XX/XX/XXXX, date of last activity as XX/XX/XXXX. This is not my account as I have stated in every single dispute. This should show that they are inaccurately adding information to my report. The next account begins with XXXX on my equifax report that shows date opened as XX/XX/XXXX and last activity as XX/XX/XXXX. Another account that is not mine. They did not even list the original creditor which proves they are adding information to my account that is fraudulent. None of these accounts have been verified and validated with the original contract with my handwritten signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
US BANK, As Trustee, Successor in Interest to XXXX Bank, NA, as Trustee For XXXX Mortgage Trust XXXX XXXX XXXX, MN XXXX XX/XX/2016 QUALIFIED WRITTEN REQUEST XXXX : Acct # XXXX / XXXX To Whom It May Concern : This request for information is submitted pursuant to Regulation X XXXX under RESPA. This request is not duplicative of any prior request for information on the above referenced loan account ( XXXX ). 

We have received correspondence indicating that a certain XXXX was consulted and named as a " Foreclosure XXXX '' representing US Bank, As Trustee etc. in a foreclosure matter in New York. Please provide the following information within the time frame pursuant to applicable regulations : 1. Is XXXX an employee of US Bank XXXX XXXX? 
2. If so, How long has she worked there? 
3. What is her official title? 
4. What is her job description? 
5. What training is required for her title designation? 
6. Provide the name of the department or division she works in. 
7. Provide the name of the department or division head. 
8. Is XXXX XXXX authorized US Bank to participate in a foreclosure action? 

Thank you for your cooperation and timely response. 


Yours truly, XXXX Cc : Consumer Financial Protection Bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Southern Credit Recovery, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In  XXXX  and  XXXX   of 2017, I  fully paid  XXXX  charged off accounts with  Southern Credit Recovery  Inc in Louisiana months ago. The company has not removed these accounts from my credit report. I called to speak with th e manager twi ce and left messages but no return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Resurgent Capital Services L.P.
State: LA
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:
LVNV FUNDING ACCOUNT # XXXX. 
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that every thing is verified correctly. My credit report is still showing inaccuracies, as well the account constantly being deleted & reappearing on my credit reports month after month, my consumer rights has been violated over & over by this company disregarding laws 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 of has reasonable cause to believe that the information is inaccurate.

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I BANK FINANCED A CAR AT A CAR LOT CAR HAD PAPER TAGS PAPER TAGS EXPIRED SO I WENT BACK TO LOT TO GET PLATES TO FIND CAR LOT HAD GONE OUT OF BUSINESS THE NEW OWNERS GAVE ME OLD OWNERS NUMBER I CALLED HIM HE TOLD ME TO CONTACT BANK AND THEY WOULD GET ME PLATES WHEN I CONTACTED BANK THEY HAD NO IDEA LOT HAD GONE OUT OF BUSINESS AND STATED THEY WOULD OBTAIN TITLE AND PLATES FOR ME THAT WAS XXXX 2016 AND STILL AS OF TODAY I DO NOT HAVE TAGS FOR THE CAR SO I CANT DRIVE THE CAR OF PURCHASED XXXX/XXXX/16 BECAUSE THE BANK CAME BACK AND STATED THE CAR LOT NEVER COMPLETED THE TRANSFER OF TITLE FROM THE PREVIOUS PLACE THEY HAD GOTTEN THE CAR FROM SO THEY SOLD ME A CAR THEY DID NOT HAVE POSSESSION OF. IVE BEEN CATCHING THE BUS XXXX AND PAYING FRIENDS AND FAMILY TO TAKE ME HERE AND THERE AND BACK AND FORTH TO WORK MY CHILDREN HAVE BEEN LATE FOR SCHOOL ON NUMEROUS OCCASIONS AND ME AT WORK HOWEVER IM STILL MAINTAINING INSURANCE ON THE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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:
My compliants with Credit Reporting Agencies are reporting errors on my credit reports that not accurate, I have disputed serveral times with Credit Reporting Agencies and provided documentation to show they are reporting errors on my credit reports Credit Reporting Agencies overlooked my proof still go with thier own decisions not acknowledge my documentation that I'm showing proof to take into consideration when correcting or updating my credit report. XXXX  reporting three late payments and comments on closed accounts which is Error, Equifax reporting Bankruptcy and comments on closed accounts which is an Error and XXXX  reporting Bankruptcy and comments on closed accounts which is an Error. I have also disputed with all three Credit Reporting Agencies XXXX, Equifax and XXXX  of unauthorized inquiries serveral times and contact company that reported to let them know as well it was unauthorized inquiry still no one wants to take actions to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had some medical issues and failed behind on my payments but a few month ago I paid {$180.00} on XXXX/XXXX/2015 and brought the account back on track. At the time I made that payment Capital One had a restriction on the account and was calling me asking for that payment because they understood and wanted to work with me. So, I call them after that payment and asked if they could remove the restriction off the account. They said I would n't be able to use the account again so, they could n't take the restriction off. So, I stop making payments on the account ending in XXXX. A few month goes by and a get a call on XXXX, XXXX 2015 with an unrestricting offer. Once I make the agreed-upon amount of {$200.00} total amount, I could use my card again-as long as a portion of my credit limit is available and my account is in a status allowing me to charge. They did give me a due date which, I fell short of by a few days but, I called and made a XXXX payment on XXXX XXXX and they told me the offer was still good so, I told the agent that I will pay the rest in a couple of days later which, I did. So the total payment arrangements was paid on XXXX XXXX instead of the XXXX. I called them back a couple of days after that to ask about the restriction because that said in the letter for me to allow up to XXXX days following my payment for my charging privileges to be restored. XXXX XXXX, 2015 when I called the said they made a decision not to extend the offer but, they excepted my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I recently contacted credit collection servic in XXXX, MA on XXXX XXXX to dispute a debt in collections. I spoke to a representative who was really rude and disrespectful to me. I informed the representative that I wanted to dispute this debt. After informing the representative of my request her tone of voice changed, she began to ask me many questions as if I was lying about the reasons why I wanted to dispute this debt. When calling a debt collection agency I do n't want feel intimidated by the representative. The representative acted as though she did n't want to give me the necessary information needed in order to dispute this debt. I would like for this issue to be looked into. If this issues has occurred with me I 'm sure it has happened with many other innocent people. This issue could possibly cause for legal action to take place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
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: Public record information inaccurate

Complaint:
To whom it may concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following alleged Public Record you are reporting concerning me is inaccurate andlor incomplete, and also unverifiable by you : XXXX contacted the court of record and they confirmed that they neither provide or verify court records to you or to any other third-party. ( See attached letter ) Public Record I then contacted XXXX and informed them of their errors in reporting and they responded with a letter deleting any and all Public Record notations. ( See attached letter ) Therefore, you could not have possibly verified this information, argocke, request that you delete the alleged Public Record and provide me I updated copy of my consumer file. 
In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that yo. prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my curre dispute. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning I me. Your prompt attention to this important matter is requested in order

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 2016-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Other

Complaint:
i am a XXXX XXXX XXXX retiree who became involved with numerous online business opportunity scam companies. i paid impact ranking XXXX and XXXX inc.XXXX. i reached out to my bank for help after finding out i would never be rendered any service at all ever.i called my bank in XXXX to tell them i was not rendered any service by either one of these companies.i get really confused when my other credit card companies refund me the same company and my capitol one card wont.these companies are committing a crime with a merchant account.how can anybody who took a serious look at my account not see the fraud. i dont feel i was treated fairly or the bank even investigated.i know it wasnt a billing error. i was never rendered any service.i know i signed a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Capital One refuses to make an exact direct transfer amount from my IRA XXXX accounts to XXXX. I began the process in XXXX 2015 and since XXXX XXXX, my attempts by e-mail, letters, and telephone, in concert with XXXX meet continuous resistance from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have several accounts, address and work place on my credit report that i did not make or was not aware of them. # XXXX credit account : Capital One Open Date, XX/XX/2012 did not make this account or had no knowledge of said account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My daughter is currently being treated for immune deficiency, specifically XXXX Deficiency. She has been having routine blood work since XXXX 2014 to diagnose her deficiency. On XXXX XXXX, 2014, XXXX XXXX sent a bill to a wrong address. After two attempts to send the bill to the wrong address and no contact with either myself or my daughter 's immunologist, XXXX XXXX sent the account to collections. During this time, we had more blood work and XXXX XXXX XXXX XXXX denied one of the tests as " not medically documented ''. As a result, we have a balance of {$230.00} that is being processed through XXXX XXXX XXXX XXXX and has not been paid. Credit Collection Services, the collection agency who has the outstanding bills from XXXX XXXX, continues to send me bill notifications even though I have contacted their office and explained that the outstanding balance is being processed through XXXX XXXX XXXX XXXX. At this point, I am ready to pay the outstanding invoice. However, I feel that XXXX XXXX and Credit Collection Services have been unjustly and unfair in their collection practices. First, for sending an invoice to the wrong address and second for sending the balance to collections when our insurance carrier is still processing the claim. 

I have documentation from our physician which shows that XXXX XXXX XXXX XXXX is processing our claims and I stand ready to produce such documentation. We need help in fighting these companies who wo n't listen and feel justified in using gestapo tactics to collect from hard working individuals who are suffering enough with health issues. We do n't know if our daughter will make it to her XXXX birthday. I 've tried explaining this to both companies but they refuse to listen or have compassion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: LANIER COLLECTIONS AGENCY AND SERVICES 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:
In accordance with the XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I use chime for banking services. Woke up this morning to emails of my account closure. I had most of my money ( {$7000.00} ) in my chime credit builder card. About XXXX $ was in my checking account. All I did last night was transfer XXXX $ to my XXXX account for a XXXX XXXX subscription I have. Woke up this morning unable to access any of my accounts. Cant pay any bills or be at appointments that I was scheduled to be at. No communication with them regarding what the issue may have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: R.M. Galicia, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, 2017 amount {$1200.00}. I have soken to them the debt was paid and was told it can take 30 days to remove. 2 years later and it still appears on my credit report, i have filed two disputes and have got no response to what should be correcting this and removing it. This is incorrect and not right i have to continue with dealing with this. Specially around this time, with covid19 loss of wages and having my credit this way has given me minimum availability in things i can do. Please look in to this. I would really appreciate it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, Franklin Collection Services reported a collection account for {$710.00} for an account with XXXX. The same account was previously reported on my credit report by XXXX XXXX XXXX on XX/XX/2020. I disputed the account based on the fact the account is not mine. The account is in a name that is not mine and I've never been known by the name. I NEVER RECEIVED a letter or a call from XXXX or Franklin Collection Services regrading this account. Additionally, I've never lived at the address that the account is connected to - nor have I ever lived in that state. I was able to successfully dispute the account placed by XXXX XXXX XXXX and it was removed from the report. However, it has shown up on my XXXX report again, but under Franklin Collection Services. I contacted Franklin Services via phone and email in which they verified there is no account listed under my name and that the account that I referenced was for a different person/name. Overall, I've disputed this account multiple times with XXXX with NO SUCCESS. They continue to state in the dispute results that the agency has verified the account is accurate. And now XXXX refuses to re-investigate the dispute. I do not accept those results. I've contacted the same collection agency and it was verified that the account is not accurate. It isn't under my name. My credit history will show that I never lived there nor is that my birth name or married name. The companies at fault are XXXX, XXXX and Franklin Collection for reporting incorrect information on my credit report and failing to do a thorough investigation. That said, if not resolved I plan to seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: EQUIFAX, 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:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE SEVERAL ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THE BELOW ACCOUNTS, SO PLEASE AMEND THE PAYMENT HISTORY TO PAID AS AGREED/NEVER LATE

Company response to consumer: Closed with explanation