BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-26
Company: Credit Protection Association, L.P.
State: NC
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 discovered on my credit reports a collection from Credit Protection Associates. I had never heard of these people and have no idea what this debt is. I read The Fair Credit Reporting Act and The Fair Debt Collection Practices Act to find out what my rights are. The debt collector is required to provide accurate, verifiable and timely information to the credit bureaus. The credit bureaus, on my request, initiated an investigation into this matter as per FCRA. I received a letter from Credit Protection Associates ( attached ) that they can not verify the account as " true or false '' so they are placing " on hold ''. This is not an option. They either validate this on demand or they MUST delete it as it is not accurate, not verifiable. THEY ADMIT THEY CAN NOT VERIFY THIS. They are in CLEAR violation of Federal law! This must be deleted from all credit bureaus and attempts to collect must cease and desist. Also note on their letter no where does it mention " this is an attempt to collect a debt '' nor spell out my rights to dispute. ADDITIONAL VIOLATIONS OF FEDERAL LAW!

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 2023-09-16
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX statement, the statement closing date was XX/XX/XXXX and the new balance for this statement was {$850.00}. The interest charge was added at an APR of 29.99 %. When I checked the XX/XX/XXXX statement, the statement closing date was XX/XX/XXXX and the previous balance for this statement was noted to be {$850.00}. However, the interest charged on this statement was incorrect. The APR was still noted to be 29.99 %, but the balance subject to interest rate was {$2400.00} and ultimately the interest balance was overcharged at {$61.00}. The balance for XX/XX/XXXX was {$850.00}, not {$2400.00}. I am not sure where they found this balance from. I spoke about this issue to someone on the phone where they agreed with the issue. A dispute was submitted on XX/XX/XXXX regarding finance charges where they would look further into the situation. However a letter was sent out on XX/XX/XXXX that indicated that they were unable to remove the finance charges from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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:
Mailed a certified letter to Equifax on XX/XX/2023, requesting an investigation into the unauthorized hard inquiries including detailed description of all procedures used in this process to determine the complete accuracy of information reported. 

On XX/XX/2023, Equifax responded to my dispute via mail in the form of an updated credit report ( # Confirmation XXXX ) with results from the dispute stating : " Inquiries are a factual record of file access and will remain on the Equifax credit file two years from the reported date of the inquiry ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: OneMain Finance Corporation
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX I received an email stating that my payment was going to be deducted from my account on XX/XX/XXXX with my debit card ending in XXXX. On XX/XX/XXXX, due to a lost or stolen debit card, I went into my One Main Account and I cancelled the payment with the old debit card payments ending in XXXX and setup new payments with the new debit card ending in XXXX. One Main canceled all the old payments that were arranged and the new payment with the new card without my authorization on XX/XX/XXXX. Then made an excuse that they had a declined message from the payment method on XX/XX/XXXX, but failed to mention they ran the old debit card, which is a closed account. It was entirely their fault because on XX/XX/XXXX XXXX XXXX XXXX, my bank, approved the transaction to go through on the new payment method or debit card ending in XXXX. One Main explained that they weren't going to pay the fees that I had accumulated for the late or missed payment because it wasn't their fault and insisted to call my bank and have them pay the fees back to me. Clearly they blatantly lied to me at One Main because the bank records at XXXX XXXX XXXX prove differently than their store tells. My facts align with my story.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: MD
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:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Specialized Collection Systems, Inc.
State: TX
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 reached out to XXXX regarding erroneous, and unvalidated information from 3 collection agencies, 1 of which has since stop reporting on it's own after I asked the company to validate the alleged debt.

The two remaining collection agencies are XXXX XXXX and Specialized Collocation Systems have yet to validate their alleged accounts. I have never given XXXX Associates nor Specialized Collection Systems permission to receive, collect, nor furnished any of my personal information and private information to any agency ( ies ) or person. 
XXXX seems to be violating the law. 15 USC 1681b Permissible Purpose of Consumer Report.

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX stated that they investigated the alleged accounts and it was verified, and will not reverify the alleged accounts. 
I wrote XXXX again requested information regarding their investigation in XXXX, XXXX. As of now XX/XX/XXXX I have not receive the requested answers to my questions regarding the validation of those 2 alleged accounts.

15 USC 1681 a 2 ( a ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2017-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On XXXX XXXX XXXX received a certified letter from me disputing the inaccuracy of a bankruptcy on my credit report. Not only is the information incorrect but is unverifiable and I need this information permanently deleted from my report for it is damaging my credit. I even sent a letter from the court to them saying the court system does not report to the credit bureaus which is what is listed on my credit report. They had 30 days from the time of my dispute to respond and delete this account but they failed to do either. Which in turn, they broke the law according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Hello, my name is XXXX XXXX. I am writing as a result of poor customer service and account handling of Capital One. I Redeemed XXXX miles for a honeymoon flight. Unfortunately, we were forced to miss our flight due to an emergency XXXX. I required for removal of my XX/XX/XXXX. I called capital one to inform them that this trip with no longer be possible and that I could provide any proof necessary of my XXXX I called on XX/XX/XXXX and was directed to call the airline to have this taken care of. The airline, however, referred me back to capital one. I called again on XX/XX/XXXX and spoke with a supervisor, XXXX, who refused to escalate my call further, and was adamant that he was the only person who could handle the situation. I requested the office of the president many different times during this call I did not receive any empathy for the situation and asked if this is worth losing a XXXX year customer over, to which they replied this is not our intention but we understand. I was not provided any specific terms that justifies refusal to reimburse me for the full amount of the flight that was missed. I tried to rectify this after the XXXX and before the flight was scheduled to take place. I feel that the stress the situation is causing me is a direct result of inadequate training and lack of people skills amount this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 Balance : - XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : {$540.00} CXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: KY
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX, KY, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX Balance : {$670.00}, XXXX XXXX XXXX Balance Owed : {$510.00}, XXXX XXXX Balance Owed : {$8100.00}, XXXX XXXX XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: Affirm Holdings, Inc
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
currently I am out of work and have been unable to pay the loan until I get tax returns, and for their collection methods they have an automated calling system that harasses me by calling using an automated call system random phone numbers that have no indication that they belong to affirm, and if you try calling them back they don't exist. I have tried to ask them to stop calling me ( happens upwards of 3-6 times a day, despite if I picked up the last time they called ) but they say " the only way to stop it is to pay the loan '' which I believe is against the FDCPA, not to mention the fact that the calls are automated, so sometimes the call doesn't even go through.

I have been incredibly sick after getting XXXX  and these calls have been interrupting what little sleep I can get on any given day have made me miss important calls from family and even from doctors all about a small loan that I had requested time to pay and for them to stop calling. which they refuse to do because their system is built to harass their debtors relentlessly. this practice by them needs to stop. it is utter harassment, I can't just turn my phone on silent all day because I have a life outside this XXXX  debt, I have missed emergency calls because of this harassment that I can not do anything about. 

I have requested them to stop repeatedly over the past few months but no, " our system won't let us stop the calls '' the loan itself is XXXX and I have been out of my job since XXXX only able to pay a small amount at a time la XXXX $ every so often as I can get money from small work I do for my family. I have asked them to stop multiple times once immediately as soon as I realized they were going to call me every day. but again they can't stop the calls apparently which either is a big lie or a system meant to harass debtors. well if it is the first it is both ... either way these calls are harassment, full stop. 

AND THEY NEED TO STOP I have linked screenshots of the number of calls I have received by their automated call system for this past month but the number is only a small amount of the calls I have received after asking them multiple times to stop calling me the past few months. including the time that I called them today asking once again for them to stop, only to get called again after asking them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions 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:
Consider this as my follow-up request. I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed a dispute in regards to the violation of the credit law on my report. It has been over 30 days and I have not been compensated for improper use of my credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX  OLD NAVY CREDIT CARD THROUGH SYNCHRONY BANK IS BLOCKING ME FROM PAYING MY BILL ONLINE. I HAVE BEEN ASSESSED FEES. IS THIS LEGAL?  I CANT PAY MY BILL AND VIEW MY STATEMENT.

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

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 2023-06-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been unable to access personnel when calling the dedicated toll-free numbers during normal business hours. This has been with XXXX, Equifax and XXXX. During normal business hours, countless calls to the dedicated toll-free numbers received a busy signal or message indicating that I must call back because all representatives are busy. Unreasonable hold time while waiting to speak with personnel during normal business hours. Section 609 ( c ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681g ( c ) ( 1 ) ( B ) EQUIFAX, XXXX, and XXXX are obligated by the FCRA to report accurate accounting. I have advised ALL the hard inquiries reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed. I am now requesting ALL 3 agencies to provide the documentation used to determine inquiry was indeed authorized by me. They have 15 days to provide me with the name of the person spoken to, documentation used, signed application with my wet ink signature, I am not asking for an E-Oscar report. IF EQUIFAX, XXXX, XXXX do not provide documentation to show these were in fact authorized, it MUST be removed ASAP. SAID company 's are liable under the SEC to follow certain rules. I will be filing form 211 Treasury OMB Forms to audit my consumer account. These companies are securitizing my consumer data yet refuse to provide me with a copy of their consumer file, NOT a consumer report. 

EQUIFAX Commission file number XXXX XXXX XXXX File Number XXXX XXXX Commission File Number It is also to my attention that XXXX XXXX has charged-off a debt owed without provided me with a 1099-C The creditor sent a copy to the IRS. If I don't acknowledge the form and income on your own tax filing, it could raise a red flag. Red flags could result in an audit or having to prove to the IRS later that I didn't owe taxes on that money. Form 1099-C is a federal tax form required by the IRS. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. Forms must be sent to taxpayers by XXXX XXXX. I have called several time to retrieve the 1099C and I'm being met with being put on hold for long amounts of time then disconnected. I am not sure if my account is flagged when I call but I cant seem to get through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Let me start this off by quoting XXXX XXXX XXXX Attorney. This was in response to my initial complaint. 

" XXXX XXXX also complains that we violated HIPPA by providing proof of the debt directly to him. HIPPA mandates that patients always have access to their healthcare record. When Mr. XXXX demands proof of a medical debt, it is logical, and required by law, that we send that information to him '' The attorney flat out admits to violating my HIPPA rights. 

HIPPA mandates that a signed HIPPA release is present when releasing medical diagnosis information. This is a clear violation of my Privacy rights. Why do you have a copy of all my medical history? This is not needed to collect a debt.

" If a medical provider is in violation of HIPAA regulations, or a breach occurs that exposes personally identifiable medical information, there are serious consequences including fines and lawsuits. This aspect of HIPAA also impacts medical billing because of the transfer of sensitive, personally identifiable health and financial information to other parties '' This will be the last time i request this be taken off of my bureau. I have consulted with and attorney. If this does not remedy the situation. I will file a HIPPA violation complaint with www.hhs.gov. If that doesn't work I will pay full premium and have you deal with my attorney. I have documented everything in detail.

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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