BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When the auto accident happen, I provide them with all the insurance information. I had commercial and XXXX at the time of the incident. I spoke with XXXX and they said for the provider to re bill the services and they never did. Now years later they want to send me to collections when its passed the 5 year limitation and federal law says that as a XXXX recipient I am not the pay or of last resort. They are. I do t know why I am even in collections and they are missing up my credit with the negative remarks. XXXX  dispute system doesnt work. They didnt even attempt to read my dispute or look up the laws I am telling them about.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Three charges were made on my account amounting up to {$270.00}. I called and reported them fraudulent and they were taken off my balance a few days later but the credit still has yet to appear. They told me an investigation is on going but it has been about a month now since and I have not recieved ANY communication about it. Everytime I call I get told they either have no information on it or can't tell me anything about it. It is like they are avoiding dealing with it and providing the credit back to me. They were already taken of my balance but they are holding the credit hostage for over a month with no communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 let credit bureas know that the information was not authorized and the have not removed these items from 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 non-monetary relief
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please investigate these matters and look into my credit report it had been more then thirty days and these items are still on my report these items have not been validated on my account have not received proper validation as to why these items are on my account have not received any proof

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 2023-05-19
Company: Experian Information Solutions Inc.
State: OK
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-10-01
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I spoke with the HUD approved counselor 4 days ago regarding my Mortgage issues with Mr. Cooper, they called XXXX XXXX in Mr. Cooper and she said I need to get back to Mr. Cooper by XX/XX/2021 that how I want to proceed regarding my Mortgage payment, that whether I would like to go for a Modification or a payment deferral. 

So i was just trying to figure out what to do regarding my Mortgage and today I saw Mr. Cooper website and it states that I am 60 days late on my payment, when my Forebearance just ended on XX/XX/2021. ( Please see the exhibit attached ) I am also waiting for CA Mortgage relief plan which has been submitted by XXXX to US treasury and waiting it to get approved, I think Mr. Cooper is just trying to foreclose on my property and take my home away with equity. 

There is no transparency and no communication what so ever, I am very worried and in stress about my future with Mr. Cooper

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I applied for a credit card at the end of XX/XX/XXXX and was denied stating that I did not have a credit report nor a credit score. In late XX/XX/XXXX I attempted to get my free credit reports using the XXXX web site. I was not able to get my credit report online at the time. 

I received a letter from TraunsUnion dated XX/XX/XXXX, requesting documents about my identity. It states that I need to provide two documents in the list below, including a driver 's license or state ID and utility bill. 

The letter also states that electronic documents printed from a website are not acceptable. That can be a problem because every company INCLUDING TransUnion tries to get their customers to use electronic documents when possible. 

About XX/XX/XXXX I sent in a copy of their letter requesting the documents. I included a copy of my driver 's license, a copy of my Social Security card, a recent utility bill, and a copy of my birth certificate. 

At the end of XX/XX/XXXX I received a credit report denial letter dated XX/XX/XXXX. The letter stated that one or more of the documents were not qualifying. It also stated that only one form of proof was provided. The letter requesting documents did not state that there needed to be two forms of proof of address. The letter provides a list and requests two documents from that list. I provided two documents from that list plus extras.

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 2023-05-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: ACIMA CREDIT, LLC
State: CA
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:
Fraudulent account was open without my permission or consent. My phone number and other personal information was used to attend an account through a company called a Acima credit. 
Prior to contacting this credit company I had contacted the authorities, created a police report and a federal trade commission report of identity theft as well as provide it all supporting documents to all three major credit reporting agencies about the fridge in the intrusion an incident. 

The account was investigated as fraud through the credit report agencies and deleted as a fraudulent account. On the same day, this company reported this fraudulent account causing punitive damages and making it impossible for me to complete my mortgage transaction. From that I have lost my money due to these companies in ability to read a police report which defines all the information necessary to delete this fraudulent account. This company has done so and then has turned around and reverse the action the same day. This reversal from my understanding based upon the phone number that was used fraudulently to obtain many things including cars, credit cards and this account here. 

I feel that my rights have been violated I requested them to remove this fraudulent account based on the fact that they did not provide any information to me and they do not have an address where that information couldve been sent to where I could have received notice of this fraudulent account therefore preventing it from hitting my credit report and working through the fraud processes of clearing this account. Instead they proceeded to place the account on my report without any notification be sent to me that there is a debt with their company that requires attention or clarification. Furthermore, upon receiving The police report I didnt need that for four and supporting documents proving that a fraudulent transactions taken place, they still did nothing. 

I believe this companys practices are of a fraudulent nature to the fact that they are collecting on accounts even after the fact that they are deemed fraudulent accounts and they refuse to abide by federal and state laws that govern them and actions pertaining to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had Capital One XXXX XXXX credit card, which haS {$390.00} annual membership fee posted on my account on XX/XX/XXXX for coming year. I feel this fee is too high for me, want to cancel the credit card and get the annual membership fee refunded. 

I called Capital One customer service on XX/XX/XXXX, saying want to close the account, the customer service agent confirmed with me within 60 days of the posted on the account, if I close my account I will get the annual membership fee refunded, I have until XX/XX/XXXX to close and advise me to wait and think thru. 

On XX/XX/XXXX, I called their customer service again to close my account, while the call to close the account, another customer service agent also assured to me I will get my annual membership fee back ( since it is within 60 days limit time ), just took some time to post. 

On XX/XX/XXXX, I still not see the {$390.00} refund to my account although the account is already closed, I called customer service again, now the agent said refund is only if I close the account within 40 days after the amount is posted. They had no way to refund my annual membership fee {$390.00}. I called again to customer service without any solution was provided. 

I feel I was given the wrong information twice, now I am out of {$390.00} and closed the account which negative impact on my credit history too. Please help to solve this issue, Thanks a lot

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
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:
I have contacted the companies below via US Mail to first validate the date and then to offer a settlement amount so that I can be rid of these derogatory marks. After disputing with the three major credit bureaus, the debt comes back verified by their standards each time, however the collection agencies have not provided any documentation of the debt validation to me. In addition, I have mailed a letter requesting a settlement of the debt and they will not respond. The collection agency must respond within a certain timeframe in order to validate the debt and it appears that they can just continue to ignore my efforts to confirm what these debts are for and to come to an agreement on satisfying them. The most recent letters were mailed on XX/XX/XXXX. Previous letters were mailed XXXX, XXXX and XX/XX/XXXX. XXXX and XXXX has reported under several different names, including XXXX XXXX, XXXX and XXXX XXXX. This agency also continues to add additional amounts to the debt every few weeks, when is it obvious that I do not owe this company a dime and have never had any contracts or communication with them. 

XXXX and XXXX XXXX XXXX XXXX XXXX, TN. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting 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 ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S. Code 1681e : ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report 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 FURNICH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
A friend of mine wrongly sent me {$880.00} on Venmo ( intended for a different 'XXXX  ' ). Unknown to my friend, I'm unable to access my account due to restrictions Venmo has placed on it due to it being in a collections ' status over a disputed account deficit. 

As a result, my friend is " out '' {$880.00} and Venmo will not comply with our requests to reverse the transaction. ( reference Venmo customer support case # XXXX ) My claim/complaint : Venmo has no right to leave my account to appear " open and active '' while restricting my control over how my personal information is presented to the public and/or prior Venmo network/relationships/friends. 

This is their way of " collecting '' funds, but their method is a violation of both my rights as a consumer and private individual. 

It is essentially " theft by deception '' and illegal seizure of assets through false representation. If they wish to collect on an account deficit, they can do so adhering to the laws of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
The credit monitoring companies are soliciting services for modifying their own ways in a method that seems conflicting to ethical antics. They collect and share information about your credit and will change their ways if you pay them money to do a better job protecting that information. This would be like the mafia threatening to affect your business back in the day and then at the same time turning around and offering a service to protect you from the same attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Terrill Outsourcing Group
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving calls after calls all times of the day and evening from " XXXX XXXX '' which is a collection company claiming that I owe some type of money 's " which I don't owe ''! I've asked this company to stop calling and contacting me, however, they don't stop and continue to yell at me over the phone using foul language and keeps making false statements as to me verifying myself when I never gave my name or SS #.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Notice for Proof of Claim Account : -XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: CITIBANK, N.A.
State: CA
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 filed a dispute in regards of the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2021-10-01
Company: EQUIFAX, INC.
State: NJ
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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. 

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 response to consumer: Closed with non-monetary relief