BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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've been attempting to challenge these claims in my report, but my challenge has been disregarded. I'm asking you to check into this situation because the FCRA mandates that you do so. I shall be forced to think about legal action if you don't abide by the FCRA 's requirements. 
XXXX XXXX Balance : {$180000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00}, XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00}, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: IL
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:
XXXX, XXXX and Equifax continue to reporting my financial information with XXXX despite me opting out of doing so. I have a right to opt out of my financial information being shared without my consent. 

162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out. 

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method. 

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method. 

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. 

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: Professional Debt Mediation, Inc.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 RE : Account Number XXXX Dear Professional Debt, I am writing this letter in response to your most recent correspondence related to the account number I referenced in the subject line above. I am considering the possibility of settling this debt. 

I accept no responsibility for ownership of this debit. However, I am willing to compromise. I can offer a significant settlement amount in exchange for the following : 1. You agree, in writing to designate the account as payment in full once you are in receipt of the agreed upon payment amount. The account will not be designated as a. paid collections or settled account.

2. You agree, in writing to completely remove any, and all references to this account from all credit bureaus to which you report. 

However, as I do disagree with the total amount owed. I am willing to pay {$1500.00} as settlement for this debt try but in exchange for your agreement to remove all information regarding this debt from all credit reporting agencies, so would you report within XXXX calendar days of receipt of payment. 

If the above mentioned items can be met, Im willing to make the payment on this debt immediately. When I am in receipt of a signed agreement with the aforementioned terms from an authorized representative on your company letterhead, I will pay XXXX  via check, money order, or a cashiers check. 

Please forward this agreement to the address listed above at your earliest convenience, as I look forward to resolving this matter quickly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, 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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 explanation
Consumer complaint received 2023-10-23
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: DC
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, XXXX XXXX from Genesis credit reached out to me regarding an outstanding debt to XXXX XXXX for an apartment I vacated back in XXXX. The representative requested I pay the amount of {$2600.00} quoting an invoice the rental company sent in XXXX of XXXX. Said invoice charged an alleged unpaid month of rent, XX/XX/XXXX. I explained to him that the invoice he was using was preceded by a redacted invoice sent in XXXX of XXXX where the rental company accredited the month of rent for the amount of {$2100.00} which was the result of a promotion the company had that consisted of the first month of rent being free if I moved in within a certain date but their system wasn't updated properly and it didn't recognize the unpaid first month as part of the promotion but rather tagged it as unpaid. After I reached out to the company, they provided the credit under - Unapplied Payments/Credits on XX/XX/XXXX, with the credit description of " rent '' thus confirming this was an error on their end and bringing down the balance to a total of {$410.00} I explained this to the representative, and he stated that this information was irrelevant to his duty because his only job was to " collect the debt ''. I have sent him my statements showing the rent payment and I have provided the redacted bill from the rental company, but he claims that I must pay the {$410.00} in full for him to validate my dispute and it is required for me to show " good faith '' by paying this in order to him to investigate. I stated I do not feel comfortable paying this amount without him properly validating and adjusting the claims and he said that if I refuse to pay, he will note my account as " refused payment '' and he will send me directly to the credit bureaus. I feel this is abusive in his part, as a representative of a debt collecting agency, I feel it's his duty to validate my claims specially having provided him with evidence that support my dispute and I feel coerced into making a payment without being given the courtesy to validate my claims. I am afraid that after I make the payment, he is demanding he will not move forward with investigating my claims and then I will still be sent to collection for the amount I'm being wrongfully charged. 

In the three interactions I have had with this employee, he has used every tactic in the book, manipulation, intimidation and coercion to try to get me to settle and pay the amount he deems appropriate. If they are doing this to me, they're most definitely attempting to take advantage of others, I have the fortune of working in Finance which allows me to know better than to give in their tactics, but what about those who are not familiar with their rights? They get taken advantage of or worse, sent to collection without due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. it has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

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 2023-10-17
Company: Genesis FS Card Services, Inc.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I got a junk email from destiny master card and I dont need a credit card and the email said XXXX XXXX invited and I got a screenshot of the email and I dont know how they got my email address and the words in the email is from another languages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit 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:
Captial One mallicoiusly lied to disqualify my dispute. 

After a year of frequently calling, checking and waiting- I was told to submit documents several times. After nearly two years of run-around, I was told that the case was disqualified at the start for being 10 days late to a paperwork submission deadline. I HAD NO NOTIFICATION OF THIS DEADLINE.

I was told ( after 1.5 years ) that Capital One expects customers to log in and frequently check a hidden " documents '' area to get notifications. They do not provide direct notification and disqualified my request retroactively because of this excuse. Then, they lied saying the issue was fully resolved. I believe them, but later discovered that they corrected ONLY ONE OF TWO FALSE CHARGES.

Capital One was notified of this issue 10+ times by phone and 5 times THROUGH THE CFPB and continues to defend their fraudulent behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: TN
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:
Account name : XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX file number XXXX, XXXX  Acct # XXXX, XXXX  Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have 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 1681-2 ( 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 accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX was asked to investigate and validate the accounts that are being reported to the credit reporting agencies. They failed to do so within the guidelines of the FRCA and FDCPA federal laws. I have been reaching out for months with no to minimal responses that were delayed and avoiding sending any information that has been requested. The information currently listed is inaccurate and has yet to be validated to provide accuracy. It is affecting my overall financial stability due to my credit score showing false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: FIRST ADVANTAGE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been disputing a public record on my background check since the beginning of XX/XX/XXXX and still have yet to have anything resolved. I am trying desperately to get into a home for my kids and I and keep running into problems. The writ of possession which is on my court documents was removed from my credit report due to errors on the spelling of the name and the amounts are not accurate. I have contacted the first advantage company that provided the background check and have been told so many different stories which more recently last week I was told the second dispute resulted in the eviction being removed that I needed to call the low income housing place and let them know they sent the stuff over to the office. After calling and the manager at the property told me nothing was changed. I then called the first advantage place again and he said they took the eviction off but then denied the application due to credit score. They would not let me speak to someone else and also would not go over the phone recordings to listen to what the person had told me regarding the eviction being removed. He said he looked at the notes only but would not listen to the calls. I cant pay the judgment because we cant locate the account holder since he is not a client of the eviction center he went through in XX/XX/2015 and that is the information the courts keep giving me on where to pay. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: VA
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 have contacted Experian several times for reporting inaccurate information and issue with my accounts, so it comes to my attention that the reason Experian is refusing to remove the inaccurate bankruptcy information from my reports is because they have two of my accounts that are charge off labeled as bankruptcy and they were never a bankruptcy. The two accounts that I am referring to are listed below : XXXX XXXX XXXX XXXX CLOSED CHARGE-OFF {$6600.00} : XXXX XXXX ACCOUNT CLOSED CHARGE OFF BALANCE LEFT WAS XXXX EXPERIAN HAS STATED ON SEVERAL OCCASIONS THAT THIS WAS FIXED, BUT ITS NOT WHEN YOU LOOK AT CREDIT REPORT IT STATES CHARGE OFF BUT WHEN SOMEONE INQUIRIES ABOUT. MY CREDIT IT STATES THESE ACCOUNTS ARE BANKRUPTCY WHICH IS INACCURATE THEY HAVE NEVER BEEN IN BANKRUPTCY AND THIS IS HARMING MY CREDIT. BECAUSE THEY ARE ALSO REPORTING BANKRUPTCY IN MY PUBLIC RECORDS 2 TO BE EXACT THAT THEY HAVE REFUSED TO REMOVE. AND I WOULD HAVE NEVER KNEW THIS IF AN EXPERIAN CUSTOMER SERVICE REP DIDNT VERIFY WITH ME UNTIL XX/XX/XXXX THAT THIS WAS THE ISSUE. BECAUSE THEY ARE CAUSING SO MUCH HARM TO MY CREDIT I FILED A COMPLAINT WITH THE ATTORNEY GENERAL OFFICE WHICH I WILL ATTACH TO THIS COMPLAINT THAT EXPERIAN HAS REFUSED TO FIX THIS INACCURATE INFORMATION.

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 2020-12-08
Company: COLLECTECH DIVERSIFIED, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reached out to your company on XX/XX/XXXX in regards to the following accounts in your office : XXXX XXXX XXXX XXXX I received in the mail on XX/XX/XXXX all of my medical records for the alleged debt which includes services rendered, medical tests I received, detailed medical information, etc. Your company violated my privacy in which I am protected under HIPPA laws. You sent my medical records WITHOUT a HIPPA release form. I never gave XXXX XXXX XXXX permission to release my personal information such as specific treatment or medical tests I received outside of basic collecting information. You did not provide any documents I signed signing over my HIPPA release. 

Your company knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. You failed to use reasonable care during business and failed to use even minimal procedures to ensure that I was not harmed. 

I will take any and all necessary steps to protect my rights. If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. I will include your company as well as the credit reporting agencies in a potential lawsuit. Should you continue to operate disregarded for the law, I intend to seek redress in civil action for recovery of damage, costs, and attorney fees. 







For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 



These accounts need to be deleted off my credit report expeditiously : COLLECTECH DIVERSIFIED XXXX COLLECTECH DIVERSIFIED XXXX COLLECTECH DIVERSIFIED XXXX COLLECTECH DIVERSIFIED 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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX 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 2023-08-08
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:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT ; THOSE LISTED ACCOUNTS AREN'T MINE. Please block these informations from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

SINCERELY, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: Exeter Finance Corp.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I started my loan with Exeter finance back in XXXX of XXXX  since Ive purchased my loan I have the worst experience customer service XXXX  I get they are a bank and want there money but XXXX  I get so many late fees of XXXX dollars it makes no sense my XXXX statement of account the math is just not mathing I have added and yet I still get charged late fees I am tired of it XXXX alone I paid {$1800.00} for the month of XXXX mind you my car payment per contract is {$820.00} I get my statement for XXXX and I owe {$840.00} how and why am I charged a late fee of {$15.00} when I should be ahead and only owe {$700.00} even I have called and spoke to a manager and I was informed I would get XXXX dollar credit but I dont see it Im tired of this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Public record information inaccurate

Complaint:
THIS ACCOUNT IS INACCURATE AND UNAUTHORIZED AND WAS NOT GIVING MY WRITTEN CONSENT TO REPORT ON MY CONSUMER REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY

Company response to consumer: Closed with explanation