BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 2020-11-13
Company: V and H Portfolio
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
VAnce and Huffman opened a collections account on my credit reports on XX/XX/20 in the MIDDLE OF A PANDEMIC!!!. The only reason I know this is because I have credit monitoring account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then VAnce and Huffman has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with VAnce and Huffman. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. 
I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX  # XXXX 30 DAY XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I wasunder the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Receivables Performance Management, LLC
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 status incorrect

Complaint:
XX/XX/XXXX To Whom It May Concern : Im disputing a collection charge in the amount of {XXXX} from XXXX XXXX. My credit has dropped by XXXX points. My credit was excellent with 25 years of XXXX missed payments. This is devastating and incorrect! 

After Hurricane Ida, I ordered XXXX XXXX internet because XXXX was down in my neighborhood. I ordered the XXXX box on XX/XX/XXXX. I paid for XXXX XXXX  shipment and the shipment never arrived. XXXX consultant advised me to order another XXXX box. I ordered that box on XX/XX/XXXX. 

Once the XXXX shipment finally came in the mail, on XX/XX/XXXX. I rejected the package. This means the XXXX  box was returned to sender, never received nor used. Once the new XXXX  box came in the mail, I immediately returned it to XXXX. I've never used their services. I've spoken with numerous XXXX operators, all claimed that accounts were closed. I contacted XXXX on XX/XX/XXXX. XXXX could not verify my account or the amount. XXXX could not produce a paper bill itemizing what I owe to send me. XXXX rep proceeded to give me the number to RPM. RPM representative told me on XX/XX/XXXX that I was being charged for canceling a two year contract. I never signed a two year contract for XXXX internet. XXXX policy shows that XXXX  has no contracts. XXXX was returned immediately because the XXXX  was not strong enough, no equipment fees. XXXX LTE was advertised at {XXXX} per month. Please explain how Im delinquent for {XXXX} for equipment and services that I never used? 

Attached are chat conversations and emails from XXXX confirming the shipment and return of the two XXXX boxes. 

I received a disconnect email on XXXX. I reached out to XXXX on XX/XX/XXXX to confirm that my account was canceled and disconnected. 

I asked the XXXX chat agent for email confirmation to confirm no more charges on XX/XX/XXXX. XXXX was returned in XX/XX/XXXX. I still received a email bill in XXXX, XXXX months after returned equipment and no more XXXX equipment. 

XXXX Chat Agent reply on XX/XX/XXXX : Agent : Also on the next bill generation its showing a credit for the service of {$XXXX}. I can go ahead and process a disconnect order now that the equipment has been returned.

Agent : There is no confirmation to send for the system is crediting you back on the next bill cycle now that the equipment is returned and the disconnect for the lines is already present. 


My credit report is currently showing that the collection is delinquent, which is further destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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: Account status incorrect

Complaint:
Rushmore is falsely reporting information to the credit bureau regarding a Loan Modification as of XX/XX/2021 and we never requested a Loan Modification. They are negatively impacting our Credit Scores due to this false accusation and misrepresentation on all 3 Credit Bureaus! We did not request a Loan Modification under COVID-19 and have been paying our Mortgage bill every month before 30 days. We have never requested a Loan Modification for XXXX XXXX  during COVID-19 and this is a form of Discriminatory practices against XXXX XXXX American Homeowners who are attempting to Refinance their homes. They always attempt to block XXXX XXXX Americans and negatively impact their credit and we are submitting this complaint to have them remove the FALSE Flag they have placed on my husbands credit file as of XX/XX/2021 and my credit file as well! This is pure Greed and Discrimination exhibited by Rushmore Loan Management Services. You have no right negatively impacting our Credit scores and we did not request a loan modification under COVID-19 nor did we sign any agreement or paperwork requesting this falsified request!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: HYUNDAI CAPITAL AMERICA
State: NC
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company KIA MTR FIN account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$8300.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2018-04-20
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
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 contacted XXXX and paid them once I realized I had a bill with them. I contacted scam collection agency which was rude and didn't believe I had taken care of bill with the hospital. I want the negative listing removed from my credit reports.

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 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX has violated my rights. 

I have never heard of this company. The FCRA states that a consumer has the right to be notified if any financial institution submits or plans to submit any negative information to a credit reporting agency. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an offer to pay a debt to a company that i have no business with. I have never heard of, nor have done business with Midland Credit before. The first i've heard of this company was today, with 3 different offers to pay by the month for a total of {$290.00}. If this company can show me when and where I signed the contract with Midland Credit, I'll be happy to read it, but I know they dont.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XXXX XXXX I notified my serve prepaid account holder due to noticing that even though I am a direct depositor as stated on the website XXXX XXXX XXXX XXXX and have been a cardholder since XX/XX/2017 and always had over {$500.00} deposited to my account monthly. I notified them due to going back and realizing that they were charging me a monthly fee totaling {$140.00} even though during every statement period I had over {$500.00} consistently deposited into my account. The above website clearly states to sign up for an account and if you deposit {$500.00} in a statement period there would be no monthly fees. I spoke to a supervisor that had no clue and told me to call back but now am only getting disconnected so want to file this complaint about action and my money. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Yesterday, I was told that there was a problem with my account and that the only way to fix this was to set up a different payment method. I was told that I would have to call monthly and that they would credit my account based on my assertion that a payment had been made. None of this makes sense to me. I get email notices and letters of my late payments, late payment charges and they can not track my payment even though it has the account number and name associated with the card. I have tried to resolve this issue since about XXXX of last year to no avail. 

I have received several letters from their Special Response Team but the problem has not been fixed. I have attached partial bills that show the late payment fees, reversals, and responses from the credit card company ( Capital One ) I am not sure how this is affecting my credit report but I am spending a lot of time every month trying to resolve this matter. This is extremely frustrating. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Rent Recovery Solutions
State: IL
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:
Company not licensed to collect in the state of Illinois. This is a violation. They also never presented a contract showing I owed them any money. 

I noticed my credit report had a collection account on it. I immediately sent the company a letter. They in turn sent me a letter dated XX/XX/2019 regarding my request for reinvestigation. Issue is, I never requested anything be reinvestigated. I have never done business with Rent Recovery Solutions, LLC. What they did was send me a bill from another company and 2 pages of a rental agreement bearing the name of a rental complex. That agreement does not show Rent Recovery Solutions, LLC to be the company due payment, yet they sent that with an expectation of payment to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX has violated my consumer rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I never gave them written instructions to furnish information onto my consumer 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 2022-04-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Account # XXXX was charged off due to fees charged by 5th third bank in the amount of {$73.00} and then reported to XXXX as delinquent. For example they charged over {$40.00} in fees to check the balance however those fees were not disclosed AND they charged an out of network fee meaning it costs around {$10.00} to access money from an out of network ATM. The excessive fees collected on this account in 3 months ( {$160.00} ) exceed the charge off amount of {$73.00}. In addition fees collected for 2018 were over {$300.00} due to service fees and other hidden fees this bank tacks on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: WI
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:
Hi, I have no awareness of these inquires on my credit reports & These accounts are fraud & even past the 7 yr limit. 
Inquires. 
XX/XX/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 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 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  - Inquiry date : XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXXXXXX XXXX XXXX Account Status PAYS_AS_AGREED ( & this acct. reports paid why is still on my report ) Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency ( N/A ) {$9200.00} ( this act is fraud, inaccurate & passed the statue limitations 7yrs from the 1st delinquency. This fraud acct. been o my reports for 19 yrs 3months! I never received student loans, SHOW THE PROOF OF MY WET SIGNATURE & ORIGINAL CONTRACT, BY LAW IF THEY CANT PROVIDE PROOF IT SHOULD E REMOVED DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX Account Status PAYS_AS_AGREED ( & this acct. reports paid why is still on my report ) Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX {$6800.00} ( this act is fraud, inaccurate info. & passed the statue limitations 7yrs from the 1st delinquency. ) More fraud accounts from Dept of education : XXXX XXXX, XXXX XXXX, xxxxxx XXXX, XXXX XXXX SHOW THE PROOF OF MY WET SIGNATURE & ORIGINAL CONTRACT, BY LAW IF THEY CANT PROVIDE PROOF, IT SHOULD E REMOVED US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL 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 non-monetary relief
Consumer complaint received 2020-02-18
Company: EQUIFAX, 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:
I recently checked my credit report and noticed several fraudulent accounts that are reporting. Please help me with this matter because it is affecting my ability to purchase a home tremendously. The accounts are showing as XXXX, XXXX XXXX XXXX and XXXX XXXX as well none of which I have ever done business with. I did not authorize any of these companies to run my credit or inquired with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
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: Information belongs to someone else

Complaint:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX 2. Identity Theft XXXX   XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 3.  Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit Identity Theft 8. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
Identity Theft 10. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was selling my daughter last crib on XXXX, a lady contacted me to purchase it. She said she sent a payment thru Zelle but I received no payment & got an email saying funds are frozen because of the amount being sent. It said I needed to send {$250.00} to the buyer to unlock the funds. It still didnt unlock so it said to do it again and so I did another {$250.00}. I was confused why it wasnt working so I called the bank and they said that the transaction already went through and couldnt be reversed and I had been scammed out of {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Social Finance, 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:
Approximately XX/XX/2021, I began receiving telephone calls from SoFi Lending Corp ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) at both home and mobile asking me about an application for a loan. Multiple times, I explained to the SoFi representative that I was not familiar with the company nor had I applied for any loan. The representative agreed to remove me from the call list, but I still received calls and blocked the number. I thought SoFi was a fraudulent business. It was not until -- fast-forward, XXXX during a visit to my banking institution -- that I learned that SoFi was a " legit '' financial institution and that my credit report reflected a SoFi loan in the about of {$46000.00} which had been past due since XXXX, and, with late charges, it is now about {$48000.00}. I called SoFi immediately and explained to a representative that I have no knowledge of such an account and suspect fraudulent activity. Looking at my credit report, my score has dramatically decreased since XXXX. I can not have my exceptional credit score put in jeopardy due to identity theft. 
I have filed a dispute through XXXX as well. Hopefully once this fraudulent account is removed from my report, my score will improve.

Company response to consumer: Closed with explanation