BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: Grain Technology, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I am writing this complaint because late payments have been report on my Credit Report in have not been in compliance of the law. According to 15 U.S. Code 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. None of this was done or followed yet an Late Payments reflects on my Credit Report and I would like the late payment ( s ) removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: Financial Business and Consumer Solutions.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
FBCS attempting to collect medical debt under " parent '' XXXX XXXX 's XXXX XXXX in the state of IL. This is the correct information to the best of my knowledge regarding any hospital stay : Date of Service XX/XX/XXXX place : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx. acct XXXX Under Texas debt collection law Medical debt time barred is 4 years. A data breach was also noted at this facility which is under investigation XX/XX/XXXX ( network server ) via HHS.gov website. The Physicians who were PCP during stay also were noted to have a data breach under investigation XX/XX/XXXX ( hacking/IT ) via HHS.gov website. I am concerned that this company has taken action to collect a time barred debt to revive the debt. If my understanding is correct this can not be done in Texas. I am not sure who this debt company. I am an older citizen concerned and unsure of the changing rules regarding debt collectors along with data breach 's. I do know that I have not authorized XXXX XXXX XXXX XXXX XXXX XXXX authorization to share my legal or medical information. I believe this is a violation 1. time barred debt 2. possible HIPAA compliance 3. Stop before they report to consumer reporting agency 4. age/minority Thank you for your time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2022-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/22 I ordered and paid {$230.00} for a plant that was being advertised on XXXX. I paid for the plant via XXXX from my Capital One checking account. Once the seller received the funds, I stopped hearing from them and recieved no replys to my attempts in connecting. I was scammed. Realizing this, I immediately called XXXX to report the fraud and in reply, they referred me to Capital One for assistance. I then called Capital One and filed a claim for the transaction. I was told that if evidence was required, I would be asked for it. I then received a confirmation and a case number as being XXXX. 

On XX/XX/22, I received another communcation from Capital One confirming that they were still working on my claim. 

On XX/XX/22, I received another communication from Capital One saying that their review was completed and my claim ws denied. 

I contacted Capital One on XX/XX/22, very upset about their decision. I asked numerous times to speak with someone but I was consistently denied this request. I was told that the reason for the denial was due exclusively to the fact that I used XXXX and as such, I am not supposed to send money to someone I do not know with XXXX and therefore, do not qualify for any assistance or support from them. 

After hanging up, I decided to re-contact Capital One again but this time, ask that a claim for the {$230.00} be filed under the reason that I did not receive a product that I had ordered vs before which was under the reason of fraud/being scammed. Knowing that these two types of claims are dealt with very differently, I had ever reason to believe that I would receive assistance under this new claim filing. The agent I spoke with however said that I was not allowed to re-file the claim under different reasons despite the fact that I did indeed order something that I hadnt received. Regardless of how much I attempted to reason with the individual, I was not permitted to speak with anyone in the claims department and not permitted to pursue my claim in any manner. 

Because Capital One never asked me for any evidence that they could consider, I decided to send them one final letter ( still on XX/XX/22 ) with the supporting evidence in hopes that they would re-consider their position in not working with me to recover the {$230.00}. 

I never heard back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: IA
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 a victim of fraud and i notice accounts on my credit report that i am not aware of. I have tried to reach out to 3 major credit beaureas and they wouldnt not help me with getting that information removed off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Financial Business and Consumer Solutions.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was notified by XXXX XXXX, XXXX on XX/XX/2019, regarding an alleged debt. In which I responded in writing within 30 days requesting the following information : The amount of the alleged debt. 
The full name and mailing address of the original creditor for this alleged debt. 
Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment. 
Documentation showing you are licensed to collect debts in Maryland. 

XXXX XXXX, XXXX never responded to my written request and continued to seek payment in XX/XX/2019. At that time I called XXXX and spoke with XXXX XXXX who confirmed that my letter was received and documented in their system. Moving forward to present day XXXX has sold the debt to FBCS , Inc who is now trying to collect on the same debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: EQUIFAX, INC.
State: NV
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:
equifax has XXXX XXXX as posted active XXXX balance.i have removal documents that shows account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: SYNCHRONY FINANCIAL
State: AL
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:
XXXX  is refusing to delete fraudulent inquiries from my credit report. They said that inquiries are a statement of fact, but that doesn't mean that I have given them permission to view my credit so this information is incorrect and should be investigated and deleted. 

I have spoken with the inquirers and they have all stated they put in a request to have the inquiries deleted, but XXXX has done nothing still. 

The inquires are Syncb/amazon Inquiry from XX/XX/2019 Syncb/walmrt Inquiry from XX/XX/2019 XX/XX/XXXX XXXX Inquiry from XX/XX/2019

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 2023-03-03
Company: Convergent Resources, 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: Account status incorrect

Complaint:
XXXX is reporting a debt on my credit report although notices were sent stating that the debt should not be in collections yet. I was sent four separate debt notices by the company XXXX XXXX and their affiliates. 
The first notice received was on XX/XX/XXXX from a company called XXXX XXXX. A debt validation letter was sent to XXXX XXXX on XX/XX/XXXX, but no response was received from XXXX XXXX. 
The second & third notices were received on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX sent both of these notices. The notices stating that a debt was due by XX/XX/XXXX, but mentioned nothing about a debt collection being reported on my credit. The debt notice was answered on XX/XX/XXXX. A debt validation letter was sent to the company but no response was received from the company. 
The forth notice was received on XX/XX/XXXX from a company named Convergent outsourcing, Inc. Once again this letter showed a debt balance but explicitly states that this debt will not be reported if written notice is sent to XXXX XXXX XX/XX/XXXX. A debt validation letter was also sent to Convergent on XX/XX/XXXX. 
I currently have a debt collection on my credit showing that the company XXXX XXXX closed an account that they say I owe. The closing date is XX/XX/XXXX. How is XXXX allowed to tarnish my credit report by submitting a debt as closed and late even though a notice was sent stating that the debt can still be paid until XXXX XXXX XXXX? Also how is XXXX allowed to tarnish my credit report by submitting a debt as closed and late even though a notice was sent stating that the information will not be reported on my credit unless I do not respond to them by XX/XX/XXXX? The notices were answered by the consumer on time and the debts were addressed/ attempted to be resolved. XXXX XXXX still decided to report negative information on my credit even though contact was made to try to resolve the issue.

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 2023-02-25
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX Account name : XXXX XXXX  xxxxxxxxxxxx XXXX, Account name : XXXX XXXX xxxxxxxxxxxx XXXX, Account name : XXXX DEPARTMENT OF EDUCATION XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXXXXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXXXXXX 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 2022-01-14
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an complaint regarding a disputed debt on my credit report. After the account was unable to be verified it was removed from my credit report. The company Credit Acceptance then filed a complaint suing me for this account. I received a copied contract with an electrotonic signature as verification from their lawyer firm XXXX XXXX XXXX XXXX XXXX XXXX. This very same contract was sent to my father claiming him to owe the same debt with the same electronic signature. I advised the lawyer firm of this inaccuracy to then receive papers in the mail for a judgement.

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 2022-10-18
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: Account information incorrect

Complaint:
Inaccurate information being reported. According to 15 USC 1681 e ( b ) maximum possible accuracy must be reported on my consumer report. In my photo I show where the info isnt the same on each.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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:
Misleading False Reporting These accounts are negligently and inaccurately reporting failing to comply with 15 USC 1681. These are the collection accounts 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 2022-01-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by your company. This is causing me financial injury and defamation of character. I am unable to get a job or apply for credit. This has hurt the credibility of hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have noticed that when I checked my experience I had 3 accounts open and I realize the other two but the one by capital one is something I do not recall ever opening nor signing up for, so I am disputing this as a fraud, and I have already made a dispute for XXXX and XXXX. It said it has been opened XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE APPLIED FOR A SHORT SALE OF A PROPERTY IN  XXXX , NC AND WAS PREVIOUSLY TOLD IT WAS APPROVED. WE OBTAINED A CONTRACT FROM A  PERSPECTIVE BUYER  SEVERAL MONTHS AGO, BUT  XXXX  KEEPS ASKING THE SAME QUESTIONS OVER AND OVER AGAIN, ASKS ME  XXXX  SEND IN  ADDITIO0NAL  DOCUMENTATION, WHICH BY NOW ARE DOCUMENTS THEY ALREADY HAVE. THE PEOPLE WORKING MY FILE, EVEN THE UNDERWRITER APPARENTLY HAVE LITTLE EXPERIENCE OR KNNOWLEDGE OF THE MORTGAGE INDUSTRY AND CONSEQUENTLY THEY KEEP ASKING STUPID QUESTIONS THAT NO MORTGAGE PROFESSIONAL WOULD ASK. I SEE NO END IN SIGHT OF THEIR INCOMPETANCE TO RESOLVE THIS SIMPLE TRANSACTION AND FEEL THEY ARE FORCING MNE INTO FORECLOSURE WHEN I HAVE BEEN ATTEMPTING TO WORK IT OUT WITH THIS SHORT SALE FOR ABOUT 6 MONTHS NOW. WE ARE AT RISK OF LOOSING THE BUYER DUE TO THE INCOMPETANCE OF CHASE MORTGAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: State Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter on XX/XX/2019 from State Collection Services, stating that they were collecting on a debt that I allegedly owe in the amount of {$750.00}. 

I sent them a request for verification on XX/XX/2019 ( copy attached ). 

In return, I was mailed a letter that provided no additional information ( copy attached ) and only gave the name of the provider ( XXXX XXXX XXXX ) which I already had. 

I am not aware of any past due accounts with that provider, and would like State Collection Services to verify whether or not this debt is valid, and belongs to me, as is prescribed by law. Without verification, I can not, and will not hand over money to a company Ive never heard of. 

In addition, I was called at least once per day seemingly more than once per day on some days. They even used a phone number in my local area code once a tactic called spoofing used by scammers. This was quite frustrating and bordered on, if not qualified as, harassment. Finally, when I told them that I prefer written correspondence, and the calls stopped for some time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2019-12-18
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Collection statement received in reference to Hospital Bill from 2 years ago. Contact without identifying the company they are  calling from. Threats to credit for not cooperating. Id like medical records to verify I had these procedures completed and that this is my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation