BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-23
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a procedure at a local hospital. I received a bill for the local hospital, which I paid that week. Several months later I received a letter from the collection agency< Account Resolution Corporation, working for XXXX XXXX XXXX. The letter read, that my bill has been sent to collections. I called Account Resolution Associates who gave me the phone number of their client, XXXX XXXX XXXX, who I called immediately. They looked up my account and said I had a XXXX  balance and there was nothing I could pay. I then called the hospital that sent the previous bill, they too said that I had a XXXX  balance. I called the collector back and told them what their client told me. Their response was, my account showed XXXX balance becasue it was written of to debt collection. I told the collection agency to have their client send me a itemized bill so I knew what I was paying for. I never received the bill from the imaging place. I then called the collection agency again, they insisted the itemized bill was sent. I told them I would not pay the bill to them, I would pay it to Diagnostic imaging, unfortunately thay have no outstanding balance for me to pay. My debt was then sent to collections, dropping my credit score. 

Are their not any rules/regulations in place to keep misinformed uneducated debt collection agencies from doing this to someones credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: TX
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-03-14
Company: Ability Recovery Services, LLC
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:
This company continues to file a new collection on my account every year with a new account number. I have tried disputing this over and over and they supposedly provide documentation but all it has is a digital signature. The address in which they provided I was not even living in at the time. The last XXXX of the credit card they are claiming I have never even had. This company is purely a scam that is ruining my credit with not hard proof my social security number is no where on the info.

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 2023-03-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, the loan servicer XXXX XXXX created a new escrow analysis, stating that they anticipated the county tax disbursement for XX/XX/XXXX is {$9100.00}, and school tax disbursement for XX/XX/XXXX is {$5200.00}, based on XXXX XXXX county tax {$4400.00} and school tax {$5200.00}. Loan care 's escrow department mistakenly calculate the County tax for XXXX as a combination of XXXX XXXX XXXX tax and school tax. With addtion of school tax, XXXX XXXX created a shortage of {$1700.00} as of XX/XX/XXXX, then increased the escrow payment from {$1000.00} to {$1400.00} and another prorated shortage of {$140.00}, totalling a {$560.00} increase in escrow payment, despite of the county has not updated the XXXX 's assessed value or property bill yet. This is totally XXXX XXXX 's calculation mistake. As soon as I received the incorrect escrow analysis statement, I called XXXX XXXX  to correct, no actions was taken on XX/XX/XXXX. I then made 4~5 phone calls talking to different customer representative, they all told me the ticket is handling by the escrow department and soon will be update. As of XX/XX/XXXX, XXXX XXXX still does not want to cure this mistake and has been charging me the {$560.00} overage on escrow for XX/XX/XXXX and XX/XX/XXXX 's payment. My payment history is ALWAYS one time with XXXX XXXX, no late payment at all.

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 2023-10-16
Company: Experian Information Solutions 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:
I have been dealing with this issue sense XXXX of 2023 and these accounts do not belong to me at all because they were caused by identity theft/fraud. I am a consumer and I know my rights. This is in violation of 15 usc 1681 b and that is unacceptable.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
FROM XX/XX/2019 through XX/XX/2019 a number of inquiries intruded my consumer file on my Transunion report I didnt authorize these companies no knowledge either I alerted Transunion they didnt remove any of the negative information also sent no proof that the information belong to me and was true and correct they are in violation of FCRA.

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 2023-10-16
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: Credit inquiries on your report that you don't recognize

Complaint:
VERIFY THE INFORMATION OF THESE ACCOUNTS THAT ARE INCORRECT AND REMOVE THEM FROM MY REPORT, THESE INQUIRIES ARE NOT MINE ALSO. 

INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS Name : XXXX XXXX XXXXXXXX Number : XXXX Name : XXXX  Number : 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 2023-10-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i did not authorize these inquiries on my report and i would like these fraudulent accounts to be deleted As Soon As Possible

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 2023-10-13
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: Personal information incorrect

Complaint:
I am distressed that I have included the information below in my credit profile and that the credit union have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. I sent the first letter to verify the information on XX/XX/2023. and I still haven't received any information on the accounts on my report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX Please remove it from my credit report. 

XXXX following account is not mine XXXX  Account XXXX Please remove it from my credit report. 

XXXX following account is not mine XXXX XXXX, XXXX Account XXXX Please remove it 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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. 

Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX  XXXX Account # XXXX Account name : XXXX XXXX XXXX, Account # 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 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 2023-03-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
There is a recurring ACH debit on my Chase checking account to a XXXX XXXX account. 

{$4000.00} every month on the XXXX of the month In order to cancel this Chase wants to charge a {$30.00} fee. To push a button. This is egregious

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Experian Information Solutions 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:
As you can see, XXXX  removed these accounts because they werent mine. 
Experian is still validating them. how is that possible, it can only be one or the other this is an FCRA violation. EXPERIAN NEEDS TO DELETE THIS

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 2023-09-04
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-05-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$810.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was providing information to my loss mitigation agent ( XXXX XXXX ) in an effort to prevent foreclosure on my home. XXXX had received my information and informed me that she would submit the information for approval. While I was waiting on XXXX to advise me Fay continued with foreclosure. When I contacted XXXX she appeared suprised and said that it should have been on hold. XXXX later said that there was nothing she could do about it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a capital one credit card in XX/XX/2023. Since then Ive had several unpleasant and unexpected encounters with them. 

The most recent is auto pay. I had a problem with the app for capital one in XXXX as well as fraud and capital one not sending me a new card. Their explanations were I dont know why that happened. 

Well now Im still encountering problems. My payment due said {$58.00} because 2 payments were due because of an issue processing my XXXX payment. I made a {$29.00} payment so my payment adjusted to then owing {$29.00} for XXXX. I then cancelled the payment I had scheduled on XX/XX/XXXX for {$58.00}. My autopay remained on and said and stills says scheduled payment XX/XX/XXXX. XXXX XXXX  ET. So according to the capital one app I of course believed an autopay would occur for the {$29.00} due for XXXX. No payment was taken out. They said my ending statement said minimum due {$58.00} even though the minimum due on the app updated to {$29.00} due now. So they said i owed the {$58.00}. Confused. I escalated the call to no avail. I was given excuses that made no sense as what I was looking at didnt coincide with their excuses. They wouldnt help after a 1 hour 1 minute call I finally hung up no further along than them talking in circles with the ONLY reason being thats how autopay works she was rude and unprofessional as well as not seeming to have knowledge of anything. She ended by asking if there was anything she could assist me with and I said remove the {$29.00} late fee for them not taking out my {$29.00} payment. She said she couldnt and I said why did you ask then, in her words, because I have to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29
Company: Asset Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX and I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to XXXX XXXX XXXX XXXX to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND XXXX XXXX XXXX XXXX to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND XXXX XXXX XXXX XXXX  to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND XXXX XXXX XXXX XXXXXXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND XXXX XXXX XXXX XXXXXXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND XXXX XXXX XXXX XXXXXXXX to delete this account/item within 4 business days ( Exhibits provided ) XXXX XXXX XXXX XXXX duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: FL
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:
'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 and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/XXXX - G M Card ( bought by Capital One in XXXX ) was declined. NO ONE called me as is usual when this happens. 
XX/XX/XXXX - I called Capital One - got 2 different versions of why it was restricted including " someone tried to access your credit '' and then " got a DEATH CERT on you - you're DEAD! '' After getting upset with the company the they became more 'we 're on your side ' etc - and sent me a link asking for 3 forms of I.D . including SS Card ; Driver 's license and a bill. In the process I was asked for my SS # at least 3 times in the call until I told them no more sharing of it without recourse as this seemed very odd by 'XXXX XXXX. 
XX/XX/XXXX - Called again - link never rec 'd - sent again and due to obtaining documents and being out of town I scanned my DL, SS card ( both sides ), Real Estate taxes paid XXXX and a utility bill. The message rec 'd indicated it was " received '' and the agent on XX/XX/XXXX informed me I would hear something in 7 - 10 days. 
As of XX/XX/XXXX no word. 
XX/XX/XXXX CALLED - told account was closed - 'Fraud Application. ' Questioned this as applied and approved for card in summer of XXXX - 24+ years ago. XXXX couldn't tell me if this had anything to do with their own data breaches this year - or why it was determined Fraud - SS # breach, or what? My father XXXX XXXX XXXX XXXX XXXX died in XXXX XXXX 4 years before I obtained this card ) and curious if it is related to this. WHY are banks allowed to not disclose issues affecting an individual 's credit, rating, etc? 
LAST : Why didn't I get a final bill, there was a balance due of {$1500.00} approximately due - will this be noted as delinquent against my credit rating? They also can't tell me why. 
XXXX XXXX XXXX XXXX XXXX XXXX cell phone number. Thanks for any help with this inept Capital One handling of some form of fraud with my card had since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Diversified Adjustment Service, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was under the impression that my balance on the XXXX account was {$0.00} on XX/XX/XXXX. When I left the rental property I attempted to pay the remaining balance and for some reason the payment was cancelled and returned. 

I was not made aware of this debt by the collections agency, and upon calling them they had told me they sent notices via postal service to XXXX XXXX XXXX, XXXX XXXX, CT. An address I have never associated with. I informed them I had moved to an address in XXXX, CT, XXXX and that I never received a letter. They followed up with " we attempted to call you ''. When I asked for my phone number they could not give me a number that I associated with in the past. 

The debt is also listed as being XXXX in collections. This must be incorrect because on XX/XX/XXXX my account was XXXX. On XX/XX/XXXX a payment was made from my checking account to XXXX for {$59.00}. My balance should have been {$260.00} if I was to have a balance. This is not the same amount listed on my collections report. 

To sum things up, I was not made aware of the debt, they notified the wrong address, and also listed the incorrect account owed. 

Please allow me to have this removed from my credit report. 

Best

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXXXXXX 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