BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-20
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY   has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from CHOICE RECOVERY  but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY to  release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than CHOICE RECOVERY is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 

The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX, ACCT. BAL : {$16.00} ( this bill has been paid through health insurance ) 2. ACCT. NAME : XXXX  XXXX ACCT. BAL : {$40.00} ( this bill has been paid through health insurance )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I contacted Equifax after XXXX car dealerships were unable to view my credit score. They stated that it shows as zero. I requested to have the freeze/fraud alert removed and was assured that this would correct the problem on or about XXXX/XXXX/XXXX. The dealer XXXX XXXX at XXXX XXXX XXXX ( XXXX ) XXXX checked again and it still showed zero. I called Equifax again and was advised to fax in XXXX forms of to the dispute department at XXXX which I did on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. I was advised to allow another 72 hours which I did. XXXX XXXX Sales Manager at the dealership again used dealer track on XXXX/XXXX/XXXX and the score still showed as zero. I waited until XXXX/XXXX/XXXX to call Equifax again. I was hung up on 3 times via their IVR system on XXXX. I finally tried XXXX and asked for a supervisor I got transferred to XXXX @ XXXX on XXXX/XXXX/XXXX he assured me that the XXXX XXXX on my address was the reason my score was not showing up. I advised I have no XXXX XXXX in my address he stated that he removed it. XXXX XXXX tried to run my credit again on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and the score still shows zero. She stated she that she can see my history but no score. When I first started back in XXXX XXXX with trying to purchase a car my score was XXXX now it is XXXX for Equifax. I also noticed that my mortgage company does not even show on my transunion nor my experian reports. The freeze was on my account for about 8 years and due to all the wrong or lack there of reporting I have been denied credit so many times and had no clue as to why. No one at Equifax ever told me that my score would appear as zero for anything if I added the freeze. I need to have my score to show up immediately so that I can continue with my purchases and stop being denied credit due to the creditors only basing my score on XXXX and XXXX which has the totally wrong and lacking positive information on my behalf. I am constantly getting the run around and very poor customer service. I was advised by XXXX to tell XXXX to check with the business side of Equifax and she stated she has had no other issues with anyone but me. Please make them fix this it is very unfair that I have been dealing with this for a month and a half and still have not got any results. XXXX XXXX stated I could use her as a contact of more information is needed from her. Her address is XXXX XXXX, Ga XXXX email is XXXXXXXXXXXX phone number is XXXX and she is the sales manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/23, my friend sent me a Venmo of {$3000.00}. I received the amount & transferred to my bank account. Then a week later, his Venmo account was hacked & they placed a {$3000.00} hold on my account. We contacted Venmo & they told us that the case was under review. Then, a few weeks later we received an email that the case was resolved & the {$3000.00} was charged back to my friend. He called his bank & they told him the {$3000.00} charge was NOT charged back & it went through. Then, a few weeks after that, Venmo tried taking another {$3000.00} out of his account to pay back the charge. My account is still locked at Venmo & it says I owe them {$3000.00} in " debt ''. We have contacted Venmo multiple times & they keep telling us that they are not allowed to talk about the case, yet are actively trying to take money out of my friends account & keep mine locked, even though his bank told him the original {$3000.00} charge went through. I attached an image saying our case has been resolved & the chargeback complete, but my friend has NOT received his {$3000.00} back. So from our end of things, it looks like Venmo has the {$3000.00} & is trying to get more money from us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I am being extorted by a third-party debt collector, they are putting an erroneous account 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 non-monetary relief
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/20 I sent a letter to XXXX  and Transunion regarding failure to respond deletion regarding account XXXX XXXX  and as of today neither company has responded nor provided proof of this debt

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 2023-12-10
Company: Experian Information Solutions Inc.
State: FL
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General.

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 2022-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital one credit wise is not revealing the correct information they claim that my oldest account ( which is with them ) is closed. They claim that the information listed on the report was reported by XXXX XXXX. But when I contacted XXXX XXXX this is what they had to say : You can contact them directly and let them know that you verified with XXXX but your Capital One account is not even closed, so they can check for you. Capital ONE says Im require to write a letter and physically mail it to get the information updated. Meanwhile their process of lowering my credit score is affecting how much I pay for things and Im attempting to refinance my home. I find this negligent and incomparable to the consumers. Im tired of fighting for my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
This account was opened fraudulently. I was XXXX when this was opened Ive advised the company and sent disputed them them and the credit bureaus with not response and no change in reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt Collector : LVNV FUNDING LLC Original Creditor : XXXX XXXX XXXX XXXX XXXX balance : XXXX After reviewing my credit profile. I identified this inaccurate fraudulent account under Eastern Account System. I have not received any correspondence from the creditor to validate this account is correctly belonging to me, nor has my credit report been updated to reflect this account is disputed and therefore a 2nd validation letter was sent out on this day, After reviewing credit report again on XX/XX/2022 there has been no updates and account is still reflecting on my report. This account does not belong to me nor does the creditor have authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. 

At this time, I will also inform you that your offices have reported invalidated information to all XXXX credit bureaus ( XXXX, XXXX, and XXXX ) this action will constitute fraud under both Federal and State laws. Due to this fact. If any negative mark is found on any of my credit reports by your company that you represent I will not hesitate in brining LEGAL ACTIONS against you and your client for the following Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collections Act, and Defamation of Character.

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

Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Please strike and remove this account from all 3 credit bureaus ( XXXX, XXXX, and XXXX ) XXXX adequate validation has been received proving that the account belongs to me and all information is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Below is attached copies of information sent to Transunion. This information was sent on XX/XX/2023 to update my personal PRIVATE information on my consumer report that was ILLEGALLY obtained and released by TransUnion, LLC. TransUnion, LLC has not updated my information. TransUnion has not responded to my request. TransUnion is in violation of the law. This has negatively impacted my life, finances, and family. TransUnion thinks they are above the law. TransUnion is NOT being FAIR AND EQUITABLE to me the consumer.

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 2016-09-19
Company: Campus Student Funding, LLC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX University, XXXX FL, is owned by XXXX Colleges. I took out a private loan through XXXX University called a XXXX Loan for approximately {$4600.00} on or about XX/XX/XXXX to cover the part of tuition not covered through the Federal Student Loan program. XXXX switched the loan servicer from XXXX to Campus Student Funding and XXXX, XXXX ( XXXX XXXX XXXX ), PH # XXXX XXXX on or about XX/XX/XXXX. 
The following is an excerpt of what has happened to XXXX Colleges : " XXXX and XXXX borrowers : On XX/XX/XXXX, the Department announced new information about this relief. The Department has found that between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX University ( " XXXX '' ), as well as XXXX misrepresented job placement rates for many of their programs of study. The Department stated that these findings qualify students enrolled in the covered programs and time periods to apply for a discharge of their federal Direct Loans through an expedited process using a simple attestation form. This includes parents of XXXX and XXXX students with parent PLUS loans. '' The Federal Court ruled that ALL student debt for students attending XXXX Colleges/ XXXX University is to be fully discharged for those attending between XX/XX/XXXX - XX/XX/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 2017-03-03
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently checked my credit score, it went down XXXX points since XX/XX/XXXX. While I was reteaching what happened and why, I noticed an increase of {$10000.00}. I then visited my account information on my mortgage holders website and saw this same dollar amount. US Bank called it a " Recoverable Corporate Advance ''. I contacted them but no one could explain what this was or why but that it was mandatory. What does this mean?

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 monetary relief
Consumer complaint received 2020-07-20
Company: World Omni Financial Corp.
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 status incorrect

Complaint:
I have written to SETF/WOFC several times as well as to XXXX  and XXXX  pointing out that their reporting of this debt on my credit report is reporting inaccurately. The account is marked as closed with a {$0.00} balance yet it is 30 days late in the payment status line. This is an impossibility and I believe it is a result of a keypunch error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I saw written information on my credit report such as my address and I reached out to the credit reporting agency it to remove it and has since refused. I am sending a final update and warning as I will be filing a suit next month XX/XX/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 2016-11-21
Company: FINEX Group LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
THIS DEBT IS FROM 2008, ALMOST 9 YEARS OLD, AND IS BEING REPACKAGED AND SOLD TO FINEX GROUP ( A COLLECTION AGENCY ) AS A NEW DEBT. IT 'S BEING REPORTED TO THE CREDIT BUREAUS AS CURRENT. THE ACCOUNT NUMBER IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: BlueChip Financial
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have received an email from this company/organization on XX/XX/XXXX ( yesterday ) detailing me I have not fully paid the balance due on my loan. I have not done business with Spotloan since XX/XX/XXXX and the last payday I did receive was paid in full. I have not received anything since then even in XXXX I had a balance. The amount the company is asking is {$1500.00} which is excessive and after researching the company I see highly unusual results of a rip-off and predatory lending results. I dont know why now Im receiving an email and not in XXXX telling me of a debt Im not fond of. I have attached photos for review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX my mom purchased land located in XXXX XXXX  she paid cash for this land and received a warranty deed for the land. later on she purchased a mobile home to put on the land in which she financed thru XXXX  XXXX  XXXX  a portion of the mobile home in the amount of XXXX she made monthly payments of {$430.00} every month from XXXX thru XX/XX/XXXX the loan was later sold to XXXX  XXXX  XXXX  company.. XX/XX/XXXX my mom passed away still owing on the mobile home. After her death I started receving bills from fay mortgage company. Fay mortgage conducted a foreclosure sale on the property in XX/XX/XXXX sold her land that had been bought and paid for. The bank claimed that they were the owners of the land versus the mobile home. '' in my opinion after 25 years and the loan was only for {$35000.00} I believe it's a mobile home had been paid for '' I do know that she took out a line of credit against the mobile home that she had been paying for monthly prior to her death after death XXXX XXXX XXXX ( company she took out a line of credit with ) forgave the debt. The company fay mortgage company conducted a foreclosure sale XX/XX/XXXX in which they purchased the property themselves. 
Faye mortgage company had the mobile home removed from the property and then sold the land separately for the {$35000.00} that they claim she owed on. I do have a copy of her warrenty ded she received on the land from when she first purchased land. I also have a copy of separate contract for the purchase of the mobile home she had financed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
CAVALRY/XXXX refuse to delete an outdated, incorrect account associated with a divorce dispute from my various credit files which has had a {$0.00} balance as of 2010.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have provided proof of actual location disposition of the court I believe my wife opened an account under my name. I need all relevant data and contract to I may pursue damages of this fraud since you do want to let Me validate this credit report I have no proof of this debt and when I request it you say you want me to call. I am making contact now and I will not speak over the and I am a chase customer so this is a game your company is playing with cfpd to make it seem like your complayinh and attempting to resolve the issue

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