BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

ACCOUNT : XXXX ( XXXX ) ACCOUNT : XXXX  XXXX ( XXXX ) ACCOUNT : XXXX XXXX ( XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section2, also states a consumer reporting agency can not furnish an account without my writing.

15 U.S.C. 1681 C ( 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 explanation
Consumer complaint received 2021-02-27
Company: Professional Debt Mediation, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On numerous occasions I have requested that both the credit reporting agencies and the debt collection company ( Professional Debt Mediation ) investigate a collection account that is on my credit. As of XX/XX/2021 the item in question remains. PDM has provided me with a document from the original account which after careful review, I found that my signature does NOT match that of what's on the document. I have informed PDM that this account does NOT belong to me nor have I ever been associated with the business in question. The account in question was opened without my consent. As of XX/XX/2021 PDM has noted the collection as " Consumer disputes this account information '' this does not resolve the matter nor does it comply with my request. Account Information being reported is as follows : Acct # XXXX Original Creditor : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Action Professionals, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX has filed a collections claim for debt that is not due to them. XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX has repeatedly submitted a claim to my insurance company, XXXX XXXX XXXX, who paid the " maximum allowed '' for service on XX/XX/22 and then denied future claims to recover the unapproved amount. XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX sent us invoices several times trying to get us to pay the remaining balance, which is not allowable under my insurance plan. I called XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX several times and they informed me that no action was needed on my part and that they would submit it to the insurance again. 

In every claim and explanation of benefits from my insurance provider, the patient amount due in all cases is {$0.00}, providing evidence that the amount that is trying to be recovered from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX is an unallowable expense. I have documentation of all of this to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX   and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2021-05-21
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to formally dispute and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. 
XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX customer service. I am aware of my rights under the Fair Credit Reporting Act, and I trust that you will handle this matter with the urgency and diligence it requires. The inaccurate reporting of late payments has a significant impact on my credit score and financial standing, and I am eager to see a prompt resolution to this dispute.

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 2023-04-25
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I decided to switch fromXXXX to another carrier. In order to do that and keep my same phones, it was required to pay off remaining balance which were the cost of the phones and monthly phone bill. Two payments were provide to complete this before they would unlock the phones to allow the new carrier to activate them. The first payment was for {$440.00} paid on XX/XX/2022 at XXXX XXXX. The phones still wouldn't activate which lead me to call back to be told there was still a balance that needed to be paid and the second payment was {$180.00} on XX/XX/2022 paid at XXXX XXXX. I talked to three people who advised that all balances were now paid and the account was successful closed and phones will now be able to be unlocked for the new carrier. All of a sudden I receive a XXXX point decrease across all three credit reporting for collections from XXXX XXXX  to collect {$460.00} for the cost of the phones! Ultimately they deleted and the law office closed the account after proof was sent and now sent to another company, Credence Resource Management for the same amount. I have spoken with XXXX XXXX again who stated they opened investigation because they can only find the {$180.00} payment and will call me in 5 days and that was over 30 days ago. I called the collection company and they keep saying pay. I was in the middle of buying a house and this stopped me causing devastation to my family! I want this DELETED for all three reports NOW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: NY
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Secti

on 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a credit card with Citibank for XXXX years. I closed that account 4 years ago. A couple of months ago I got a statement saying a had a credit on the card. I called Citibank right away I said this has to be a mistake, I closed my account years ago. The person assured me the credit was mine and I was sent a refund. I asked multiple times are you sure this belongs to me, this account has been closed for a long time. The representative assured me it was mine, it was an over payment for years prior. Two months later I got a bill for the amount of the refund with zero explanation. I spent over 20 hours on the phone and through online chats trying to get to the bottom of what happened. I finally worked with someone in executive customer service who was able to figure out that the credit was not truly mine. My issue is that the company showed zero remorse for the amount of time and stress this whole ordeal has been on me. There error caused my credit score to drop 122 points, the whole thing has been a mess. My other concern is the other customer whose credit I received really  belonged to, who knows how long they were without their credit. I understand mistakes happen all the time but their mistake caused me to spend a lot time and effort to get it resolved.

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 2021-02-27
Company: Continental Finance Company, LLC
State: UT
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:
My credit card was charged over the limit with fraudulent charges I did not authorize nor did I personally make. I have made numerous calls to the card fraud department and have been unable to get a resolution. I disputed all charges on XX/XX/2021 in the amount XXXX. The card has been disabled by Continental Finance who is the card issuer.

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 2023-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit 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 made a {$1000.00} retainer payment on XX/XX/XXXX for an appraisal from a company named XXXX XXXX XXXX. Per Uniform Standards of Professional Appraisal Practice ( USPAP ) adopted by Congress in 1989, this entails reporting the findings and/value. I have not received an such report or information of any sort. 

In XXXX of XXXX, I notified Capital One that I wished to dispute the {$1000.00} charge as I never received any product or service. On XX/XX/XXXX, I received a letter from Capital One acknowledging they had credited my account during the investigation. XXXX XXXX XXXX responded. I submitted answers to his responses. On XX/XX/XXXX, Capital One notified me via mail that they had declined my dispute and billed me {$1000.00} again. 

Subsequently, I spoke with a Capital One representative over the phone. He voiced Capital One had sided with XXXX XXXX XXXX because I made the payment unconditionally. My contract reads " For services rendered by us, you unconditionally agree to pay ... '' I am disputing that services were rendered by the vendor, so that second part of this sentence requiting payment is not valid. Despite use of the word unconditionally, the contract sentence has a condition, specifically services have to be rendered. Yes I can agree to unconditionally pay for a XXXX, but it still depends on my receiving a XXXX. I have no evidence of any service being provided and have not seen any appraisal. Capital One does not seem to understand the payment without receiving product or service equates to a scam. 

XXXX XXXX XXXX also answers that he has financial dispute with a third party that I work with called XXXX XXXX XXXX. In his answers, he provides an email to this third party detailing his dispute. I don't feel I need to get involved in this and certainly should not be responsible for a dispute between him and a company not party to the agreement. The signed agreement is only between me and the vendor. His account status with another company not party to the agreement is not of my concern. Capital One wants me to address this. Why is Capital One holding me responsible for another company? 

In the end, the representative says they will not credit my account unless the merchant issues a credit because they have no way of recovering the {$1000.00}. I don't think whether Capital One will be made whole is how to fairly decide the outcome of a dispute process. 

To summarize, I entered into an agreement to pay vendor for an appraisal. I did not receive an appraisal. Capital One is aware of this and sides against my dispute for reason above as explained to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Experian Information Solutions 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:
Over the past Two years, I have sent approximately ( 5 ) certified letters to Experian in regards to Two unverified derogatory accounts listed on my Credit Report ( XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX ... ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Experian disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. Experian has responded to my request by saying that these accounts have been verified. Experian has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness .... I also sent certified Debt verification letters to both XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX however I never received a reply back. Experian have ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking Experian reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.

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 2023-09-01
Company: Maximus Education, LLC dba Aidvantage
State: CA
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:
My credit report is showing late payments to DEPT OF ED/XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX  customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Had my new replacement card expedited XX/XX/XXXX paid XXXX to have faster shipping. Advised at first by 3 reps card will not come bevause card and account suspended on that XXXX. Uploaded my id / social card / birth certificate/ selfie etc almost 35 times within a 8 hour timeframe. Walked to library to send docs and still locked this company is garbage

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 2020-12-23
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:
The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. I do not recognize it absolutely, its a pure Identity theft abuse. I am writing this message in order to ask you to delete this unknown account from my credit report. Thank you for understanding!

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