BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-02
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: Account information incorrect

Complaint:
I am writing this due to Non-compliance with the Credit bureau Experian, the account ( XXXX XXXX XXXX XXXX ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. So, I need this account to be deleted as soon as possible base on the consumer protection law. Under the consumer protection law this account is not practicing the Act. And the Acts are Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act, Truth and Lending Act, and the Fair Debt Collection Practices Act. Furthermore, I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW. 

This is a final notice that I will be seeking legal actions towards Experian if this account is not deleted.

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 2017-09-15
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
While reviewing my credit report, I noticed one account ( only on XXXX ) indicated in collections. The company is : DOCTORS BUSINESS BUREAU. I completed an on-line search and located this company in XXXX XXXX, FL. I have called the listed numbers on the website of this company numerous times and contact has been unsuccessful to date. This is indicating date opened : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ). To date, I have not received any notices and this collection is only showing on XXXX and not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Receivables Management Partners, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, i had my credit report ran and noticed a medical bill was {$100.00} was on there through XXXX XXXX. I called the number on credit report and found out it was a medical from my previous primary doctor when I lived in Indiana nearly 3 years ago. I never received any letters from anyone pertaining to this bill. I did pay this bill off and asked the debt collector if this could be deleted from credit report and all they would do is show it paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
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:
Bankruptcy removal I have been disputing with Transunion and XXXX about the information associated with my Bankruptcy Ch XXXX. Most recent disputes have been online as well as by phone XX/XX/XXXX/ XX/XX/XXXXand ongoing thru XX/XX/XXXX. The results have been the record has been updated but my dispute has been who furnished the information for the updated information? The US bankruptcy Court has notified me that the court does not furnish the record to credit agencies or third party agengies. I have ask for how and who verified the bankruptcy for accuracy but TransUnion and XXXX always reply with they verified through public record database provided by the court through XXXX or XXXX. Listed are the things that I have asked and begged for and they won't give the information to me. I recently sent a letter in writing asking for this information which I am entitled to after my original disputes my phone and online.

( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the dispute FCRA, Section 609 ( a ) 2 ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.

FCRA, Section 611, paragraph ( 6 ) ( b ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available The name of the courthouse ; ( b ) the persons name they verified the dispute ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the dispute.

Adding the public record also lacks name, address, full SSN or date of birth which is a minimum requirement according to NCAP.

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 2020-07-04
Company: Experian Information Solutions Inc.
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-09-01
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called XX/XX/XXXX and it was a recorded line basically saying that I need to dispute with credit reporting agency they will send over the dispute to the Fraudulent company midland funding LLC for the amount of {$310.00} from a buy back from XXXX XXXX from back in XXXX. This agency was another collector that was on my Bankruptcy over 15 years ago! Looks a little different. But in researching this collection agency. They should have been shut down a longtime ago by FTC and US Government. I see nothing but Fraudulent amount, that don't belong to ME. So why in the XXXX does XXXX XXXX appear so many times on my credit report in a 3 Reporting agencies. I mean come on you piece of garbage.I 'm in the  process of contacting my attorney who did the Bankrupt for me I can't find my order and all the creditors that collectors that were on there. I was a victim of fraud before and Present. This collection agency. Y'all should XXXX them. It scream Fraud. Get the XXXX off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
On XX/XX/XXXX, I accidentally made a payment in the amount of {$1100.00} to Bank of America ( chose wrong card when using my bank 's bill pay - should have chose XXXX but chose Bank of America instead ). My balance was only {$370.00} leaving me with a credit of {$770.00}. 

I have requested a refund of this credit and spoken to at least 6-8 different persons beginning on XX/XX/XXXX. All gave me different stories on when I could expect a refund, and none of them were true. I still don't have this money. I have spoken to supervisors and specialists who were to be handling my case individually. I even received a call back from one person, who after doing " research '' indicated that I should receive a check in the mail by today XXXX. 

I don't know what else to do at this point, and their customer service is terrible. So I am turning to you for assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: WELLS FARGO & COMPANY
State: TX
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:
XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. I visited XXXX  XXXX XXXX XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for a new car. Upon looking at my credit report, all three dealerships ran my credit through several credit approval companies. I have a total of 46 credit inquires across the three credit bureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hard inquire on my credit 22 times. I sent letters to each of the individual companies and received a letter stating I agreed to them running my credit by providing the merchant my driver 's license. I did not agree or approve these companies to run my credit 46 times through several different companies, including those I have never heard of. XXXX XXXX could have used the first inquire as it remains available in the system for 30 days. I was preapproved through XXXX XXXX and presented my preapproval to each of the dealerships. Unfortunately, all three of the dealerships ran my credit through several agencies without my consent. I did not authorize these companies to run my credit or view my credit report. I have contacted these companies several times to request the removal of the inquire and even hired a law firm to help, but they will not budge. I also contacted the three major credit bureaus and I did not receive a response. 46 inquires across 3 credit bureaus within 7 days are truly excessive and violates several consumer laws. I would like all 46 inquires removed from my credit. I did not provide written or verbal consent for this to happen and I am saddened and truly devastation I am not being heard. These companies have caused unnecessary harm. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01
Company: Choice Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 by certified letter I contacted Choice Recovery in regards to an alleged debt appearing on my credit report. Letter attached. In goodwill I offered to quickly resolve this account by paying the {$170.00} if Choice recovery agreed to delete this from any and all credit reporting agencies. Paying this unverified amount is no benefit to me if they do not agree to delete.I know they have the absolute right to report, not report or delete from all credit agencies. A validation letter was also sent to Choice Recovery. Letter attached. 
On XX/XX/2020 I received a letter form Choice Recovery also  attached. The letter does not confirm validation. No signed contract or agreement, payment history, license numbers and the name of a registered agent licensed to to collect in Michigan but instead the letter I received is only a threat to attempt to collect alleged debt by any means without any validation or response to my goodwill attempt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX I Demand Deletion of all these inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX  XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 

1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 

2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of 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 explanation
Consumer complaint received 2021-08-10
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-09-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This bank is supposed to give rewards for purchases. They are very slow in giving rewards on purpose. It's a continuous problem with Citizens and Mastercard. They are slow ... .. in updating. Their website for credit cards says to go to e-mail to retrieve a one time passcode but it is never there even after a half hour of waiting. There is something terribly wrong and it has to be corrected. Here I get XXXX cents interest on a large sum of money but they advertise big rewards. And then one has to ask for the rewards which are unattainable! Please investigate this possible consumer issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: SUNRISE CREDIT SERVICES, INC
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had to withdraw from the XXXX because it was a bad storm at the time and couldn't turn my work in because all of the power been off and then I been passing all my classes so I wouldn't just up and quit for nthing and i really had wanted to finish I called and had to leave my name to another advisor because at the time I couldn't get in touch with mines and this account is holding me and my family back from purchasing an house they're charging me XXXX for nothing

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 2021-06-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ever sense my bank sold my account to this company its been a nightmare first for the first year I had no idea where to send my payments they where sending my letters to wrong address and had my phone number in there system off by one digit when I try sending my payments no such account existed when I finally found my account i owed them a bunch a late fees I brought my account up to date in XX/XX/XXXX and I started paying an extra {$300.00} toward my 2nd mortgage in XX/XX/XXXX it is automatically withdrawn from my bank account the payment is {$680.00} monthly {$380.00} for my regular payment and extra {$300.00} for principal the company has withdrawn the money and my extra principal is not being applied correctly its shows a unapplied funds moving forward from first contact with company back in XXXX my funds are still not being applied to my principal and now they saying I owe for the month of XXXX and XXXX payments where are my extra XXXX XXXX monthly payments I'm paying this company going I've been patient and called numerous times and keep getting same response for months now that they are working on it and that their cashiers department is aware of the issue so unprofessional and by what I've read on the XXXX  I'm not the only one having this issue with payments not being applied correctly and charging outrageous fees they need to be investigated we have been trying so hard during this pandemic to stay on path with our payments and companies like this thrive off our hard earn money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax wasXX/XX/XXXX, but no response was ever received from them up until now. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of items that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I traded in my leased XXXX 6 months before lease end on a new XXXX lease at a XXXX dealership. The lease included provisions for the dealership to pay off the trade in in full. A month later I got a lease end termination bill for {$6000.00} from Chrysler Capital and when I contacted them they said it was probably just a delay in paperwork and not to worry about it. A month after that I got another {$6500.00} bill from Chrysler Capital and when I contacted them they lied and said I never traded in the old Jeep and that I owed this money. I have the new lease contract that proves otherwise. They say I have to pay the amount, which is not supported by any type of documentation. My remaining payments ( 6 times $ XXXX/month ) only add up to {$3300.00} so theres no way I could owe {$6500.00} even if what they said was true. These people were rude, arrogant and dismissive. The best part is that this happened 3 years earlier on my previous trade in as well, which eventually got sorted out after weeks of harassment by them. Should I have learned my lesson then? Probably. But now I have proof of a pattern of fraud, contempt and disrespect for a loyal cuStomper who always pays their bills on time. Chrysler Capital needs to be brought to justice.

Company response to consumer: Closed with explanation