BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is against Rent Recovery Solutions ( file # XXXX. We lived at The XXXX XXXX in XXXX, TX. We moved out of the apartment in XX/XX/XXXX. Our last bill/rent for the apartment was paid on XX/XX/XXXX in the amount of {$310.00}, which was paid directly to the apartment complex, and it was cashed XX/XX/XXXX. In XXXX in XXXX, we started receiving phone calls from Rent Recovery Solutions stating that we owed a balance {$930.00} from the XXXX. We communicated multiple times to get this matter resolved. We submitted proof of the last payment made via check and chased to the apartment complex, letter of satisfaction from the apartments on company letter head and a billing statement showing a XXXX balance. All this information was sent to Rent Recovery Solutions via XXXX ( Tracking XXXX ), it was delivered and signed by XXXX XXXX. After all this, it was considered satisfied. 
XX/XX/XXXX, we started getting more phone calls from Rent Recovery Solutions that we still owed them {$930.00}. We have spoken with The XXXX office managerXXXX XXXX XXXX who had confirmed that the debt was satisfied and has sent communication to Rent Recovery Solution to close the account. Rent Recovery Solutions has been giving us the run around and blaming the apartment complex for not cooperating. They have confirmed that they received our correspondence from XXXX but is not sufficient. 
I want this matter resolved via written form and I am seeking {$1000.00} in compensation for time loss and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I requested the assistance of a family lawyer through a website called XXXX to represent me in a legal case regarding my daughter in Kentucky who was taking illegally by the non custodial parent in Kentucky that has a history of abuse and XXXX  XXXX. The website was " hacked ''. One of the lawyer 's profile contact information was changed to the cell phone number of XXXX XXXX. After I posted the request for a lawyer, Attorney XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, telephone ( XXXX ) XXXX ) contacted me in Kentucky from Florida by phone. He alleged he was matched through the website, when he was not. I soon realized he did not practice Interstate Custody at all and he had alleged paralegal with an outdated XXXX  email address put my name in a printed form that take about 2 minutes type asking to filing an incorrect form falsely stating on the abusive non-custodial parent 's behalf that he had been listed on the Kentucky birth certificate and had been verified as a parent when XXXX XXXX is not listed on the birth certificate and has not submitted to any blood testing. I refused to sign the motion and I refused to sign the legal contract because the documentation was fraudulent. XXXX XXXX lied he performed an estimated {$800.00} of legal work when no court motion was never filed. XXXX never represented me court and never made any calls on my behalf. He did not access to original family court case miles away in XXXX since I never signed a contract and never signed a " Release of Information ''. He sent text messages claiming he put {$200.00} refund in the mail to me and lied to t he bank Capital One using counterfeit documents that he completed {$1000.00} worth of legal services when he did not. He never mailed me any copies o any motions in the mail and he never performed any type of beneficial legal service on my behalf. He lied he was a member of a legal directory with XXXX XXXX, when he was not a member. The Capital One investigation # is XXXX. Capital One refused to reverse the reversal even though XXXX could never prove he mail a refund as alleged and the official court records of XXXX XXXX XXXX clearly shows XXXX never filed any motion on my behalf and he never represented me in any court case. He never performed and beneficial service. I have showed screen shots showing the XXXX XXXX website had been illegally hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Block and remove the following accounts on the FTC report I attached to this complaint.

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 2023-11-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-27
Company: Accounts Receivable Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
The company was granted one amount in court for XXXX. They refused to chafe amount on reports then tried taking me to court where they were proved to only been granted that amount so they removed the collections and the placed 2 after leaving voice-mail about double dipping. They have since been constantly changing the debt amount but only on the new one they just opened. Then they closed it XX/XX/XXXX just to reopen it XX/XX/XXXX for almost double. They have 2 collection accounts now on me for 1 debt. Ans the amounts are triple what they were granted in court they have had no communication with me ans were unwilling to set up payments on original accounts. Both accounts are for 1 debt ans non are the correct amounts they were granted from a judgment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor, ALLY FINANCIAL has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Opened a XXXX XXXX with Comenity Bank on XXXX. Through a series of unfortunate events, I had to return my purchase twice for a replacement. When the third and final purchase was made, it was not charged as a promotional purchase as I originally agreed to. I tried resolving with Comenity, but they refused to work with me on the issue. That is not the issue that I am filing a complaint about. 

I made my first payment on XXXX, and a finance charge was billed on XXXX. I have no issue with that, as my bill was due on the XXXX of each month. 

I made a payment in full on XXXX, XXXX days before my due date, and it was accepted, and my account was requested to be closed on XXXX. Comenity confirmed the account as closed, and issued me a credit refund balance on XXXX for overpayment on the payment in full, and then charged a finance fee on XXXX, and a late fee on XXXX. I received an additional minimum interest charge on XXXX. 

I paid off the finance charge from XXXX, the late fee from XXXX, and the minimum interest charge from XXXX on XXXX. 

I then received ANOTHER minimum interest charge on XXXX on this account, which was supposed to be closed on XXXX per Comenity 's email to me. Why and How do i keep getting charges posted to my account when the account was supposed to be closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX  XXXX Balance Owed : {$18000.00}, XXXX XXXX Balance Owed : {$18000.00}.

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 explanation
Consumer complaint received 2023-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
those are hard inquiries from CAPITAL ONE AUTO XX/XX/2023 CAPITAL ONE AUTO FINANCE XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
Wells Fargo foreclosed on my home in XXXX  They ignored my requests for assistance and repayment for late payments due to child support being illegally withheld by a parent. I lost my home and had to move with my XXXX children the week of XXXX to a rental and lost all equity in my home and my credit is still destroyed 7 years later. I just received a check from Wells Fargo for {$200.00} with a note that said they made an error when my loan was reconsidered for payment assistance. My mortgage account number was XXXX. While the process was occurring they refused to accept any payment at all towards my loan because they said I was delinquent. {$200.00} will not cover the expense of moving, the trauma to my family, the damage to my credit, the 7 years of income renting a home for my family with no equity to show, and the equity I had in my home. I would like to be compensated in the settlement as the documents and court records show against Wells Fargo. I have been employed full time as a teacher for 21 years and worked part time in addition to that as well. I had the income to cover the expenses, but Wells Fargo refused to work with me and in the end did not even respond to any correspondence or phone calls.

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 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2017-07-31
Company: Collection Information Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 'm disputing this bill in the amount of {$320.00} from Doctor 's Business Bureau a debt collection agency trying to collect on a bill from XXXX XXXX, which should have been billed and paid by XXXX. I have also attached information proving I had Florida state XXXX at the time of service. It seems as if XXXX XXXX decided to bill, me because they could receive more money, because XXXX would only pay a smaller amount per contacted rate. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: TN
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 respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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 2022-10-19
Company: EQUIFAX, INC.
State: AZ
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 sixth attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. These accounts are unknown to me. Also, I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5800.00} ; XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX XXXX Owed : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called and asked to be refunded {$10000.00} in payments made during the payment pause. Despite there being a balance now on my account due to the refund request, they have yet to send me the money. They are not even providing a timeline. They clearly have proof that I made payments in excess of {$10000.00} during the payment pause, so I am unclear why the money can not be sent back immediately. Also despite requesting a refund for {$10000.00}, they only processed {$9900.00}. I realize it's a small difference, but I requested {$10000.00} and I paid more than {$10000.00}. I attached two of the largest payments made.

Company response to consumer: Closed with explanation