BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-04
Company: CCS Financial Services, Inc.
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATEXX/XX/XXXX CREDIT COLLECTION SVCS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 

. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SVCS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Had an outstanding business balance with American Express. I was in constant communication with them about our planning and timeline for paying the balance down. The performance of the business only allowed us to pay ~$XXXX/month. Without notice, American Express closed my business card AND personal card and sent the balance to collections which created a XXXX point drop on my personal credit score. When I called back into Amex I was able to negotiate a payment plan, but the company would not reinstate my business card even with the agreed to plan, and would not reinstate my personal card. They informed me that even though I had agreed to their payment schedule, my card would remain with collections and my credit score would not improve. The only solution is to pay the balance in full, which the business cannot support. So on the one hand they are offering a solution which does not alleviate the financial strain they have placed me personally under while on the other they are saying that nothing can be done until the balance is paid off. So my ability to do anything else to improve my financial situation personally (refinancing student loans, consolidating personal debt etc) - things that would give me more cash on hand to better support my family have to be put on hold until Amex is paid in full. This is extortion. Separately, since my business is under XXXX years old, all financing options with reasonable interest rates have to be personally guaranteed by me, so having a poor credit score creates problems in my ability to secure financing solutions for the business for at least a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Designed Receivable Solutions, 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:
Regarding : Account XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am reaching out to you to make you aware of the request I have made to XXXX XXXX at Designed Receivable Solutions Inc., for him to mail and produce a copy of the original bill From XXXX XXXX XXXX XXXX that Designed Receivable Solutions Inc. is collecting for and has placed on my credit report. 

I requested a copy of the bill they claim I owe on XX/XX/XXXX and have not received it yet! I have since reached out to XXXX XXXX XXXX hospital billing department and they informed me I do not have a balance due with them. I also reached out to Doctor XXXX XXXX billing department, who is a part of the XXXX XXXX XXXX XXXX because XXXX stated the billing date was XX/XX/XXXX for Doctor XXXX. His office informed me as well I do not have a balance due. 

According the credit trade commission if the collecting agency do not produce/provide the original bill within 30 days, they have to delete the information from all 3 credit bureaus. It has been 2 months and every time the 3 credit reports contact them they say they are reporting correctly. They have stop calling me and returning my phone calls because they know they have to emove this debt from my credit report. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit score was XXXX on XX/XX/XXXX, it has been brought down a few notches for some unknown reasons though we suspect it may have a lot to do with high potency of XXXX now available at Experian. 
Perhaps you can check and find reasons for this mystery.

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 2020-08-28
Company: EQUIFAX, INC.
State: GA
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.XXXX {$170.00} U S DEPT OF ED/XXXX/XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$46000.00} XXXX/XXXX XXXX {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a notice on XX/XX/XXXX that I had won a sweepstakes along with a check for {$12000.00}. The notice included the contact number of a claims agent ( XXXX ) and instructions to call. I called the agent ( XXXX XXXX ) who told me to deposit the check on Monday  and call him for further instructions. I checked on the issuer of the check which was a legitimate insurance company. I deposited the check on Monday  and it cleared the bank in four hours. I then called XXXX XXXX, who told me to purchase {$7800.00} in money orders and overnight them via XXXX to XXXX XXXX, XXXX XXXX XXXX, XXXX IN XXXX ; he would call me upon receipt of funds. On XX/XX/XXXX I received no call and became suspicious, so I contacted the bank. They informed me that the check had cleared, but that I should " keep an eye '' on my account if I had any concerns. 

That evening I checked my account and discovered the check had been returned. This morning I called the bank, which informed me that the reason for the return was " return to maker ''. This of course means that I have lost {$7800.00} in my own personal funds. I am upset that the bank did not advise a hold on the check or provide some other verification as to the legitimacy of this check. This lapse in vigilance and security was just enough to provide a window for the scammers to bilk me out of {$7800.00}.

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 2018-03-02
Company: Financial Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested verification of debt via certified mail dated XX/XX/XXXX. Today XX/XX/XXXX ( way over the 30 days required by law ) I received a letter with an " application # '' as verification of the debt. This establishment should be aware that per FTC Attorney XXXX XXXX XXXX, that a printout of a bill, application #, or itemized document does not constitute verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed the opportunity loans account with all three credit reporting agencies and they have continued to say they verified the account and im like I have no idea how they could have through a XXXX XXXX that lacks integrity. According to the FCRA 609 it requires for them to verify it physically and I have wasted money on certified letters for them to send me a generic response. I have started the legal proceedings to seek my monetary damages but I 'm going to give them another chance to verify this account fully. I have disputed this account over 3 times certified mail and I still get a template answer.

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 2018-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was defrauded by a third party for three amounts of {$89.00} and not refunded by this bank after repeated attempts to explain what happened. My treatment at the hands of the bank was appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX bought this account from Portfolio Recovery Associates, LLC - I spoke to PRA let them know my credit card was stolen and they send statements of the account which has no idea of how to handle fraud properly or by law. Now the new debt collector calls daily, sends letters and I have told them the card was stolen and I have been through this 2 years. They have failed to help me and just send statements of the account they was used fraudulently. After several requests I have hired legal assistance because its absurd they are still trying to collect a back s they was stolen from me. It also has over {$400.00} in fees - the balance being {$570.00} they incorporated their cut and fees on a fraudulently used card. Its pathetic

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX XXXX XXXX XXXX  Credit Card was closed on XX/XX/XXXX from a Chapter XXXX bankruptcy. XXXX XXXX is only Credit reporting agency to correctly report on my Credit report. XXXX XXXX is claiming that my account was charged off in the amount of {$7500.00} and is currently holding a balance when in fact the account was closed during my bankruptcy. 

To my knowledge this account is the same number as submitted with my bankruptcy, if it was not closed then someone other than myself has opened this Credit card in my name. 

I have sent letters to XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX trying to get this taken off my credit report but they keep saying that it was confirmed with no evidence of validation of competent evidence bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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: Information belongs to someone else

Complaint:
The following attached letters were submitted to each credit bureau over 60 days ago and they have not responded. Please see the updated attached letter. 
The following accounts are not mine : 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 DEPTEDXXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX The following inquiries were not authorized : See attached letter

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 2021-11-01
Company: Spring Oaks Capital, LLC
State: FL
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on SPRING OAKS CAPITAL LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I reach out to XXXX XXXX  XXXX XXXX XXXX XXXX department as well as i made attempts to reach out to the credit bureaus to establish multiple dispute/good will letters, giving explanation of what happen to me in result of me falling behind on my auto payment but it hasnt been a very helpful process so im now reaching out to other agencies to get consumers resolution. 
In XXXX I was disanosed with XXXX XXXX few weeks later then was admitted to hospital out of work for 3 months this is the only reason why I feel behind I apologize for the inconvenience, and I know that this situation is no ones fault but my own. I have enjoyed our business relationship and have made a renewed commitment to paying all my bills on time moving forward. I was wondering if you would be willing to make a goodwill gesture and remove the late payment from my credit reports. XX/XX/XXXX, XX/XX/XXXX account # 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 explanation
Consumer complaint received 2020-12-11
Company: I.C. System, 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 was emailed by XXXX  yesterday about a change in credit score due to an outstanding debt that I have on my record. I found it odd, since I have never missed a payment on any of the debts that I owe. I checked and see that I have an outstanding debt balance of {$3800.00} originating from a company called ( I C SYSTEM INC ) that I do not recognize. 
I requested XXXX  to dispute this and see it was originated from XXXX XXXX XXXX. I have never used XXXX XXXX XXXX as a carrier before and have never received any type of documentation regarding this matter. 
It states this was opened in XXXX of this year, but XXXX XXXX was in a state of lockdown during that time, so I have no idea where or how this could have happened. As a result of this my credit score dropped from XXXX to XXXX ... 
This is a charge that I am completely unaware of and it is affecting me financially, especially during these hard times.

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 2018-03-02
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX XXXX XXXX  Credit Card was closed on XX/XX/XXXX from a Chapter XXXX bankruptcy. XXXX XXXX is only Credit reporting agency to correctly report on my Credit report. XXXX XXXX is claiming that my account was charged off in the amount of {$7500.00} and is currently holding a balance when in fact the account was closed during my bankruptcy. 

To my knowledge this account is the same number as submitted with my bankruptcy, if it was not closed then someone other than myself has opened this Credit card in my name. 

I have sent letters to XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX trying to get this taken off my credit report but they keep saying that it was confirmed with no evidence of validation of competent evidence bearing my signature.

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 2020-12-11
Company: EQUIFAX, INC.
State: MA
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:
Dear Manager ; ***please see the attachment**** Im really shocked on what Im seeing right now! - If you see this negative account listed below on my credit report, you will noticed that there is no way that this account was indeed investigated truthfully through your organization. 

For example ; this XXXX XXXX # XXXX thats reporting on my credit report as a CHARGE-OFF / COLLECTION is claiming to have a 3 DIFFERENT HIGH BALANCED, 3 DIFFERENT DATES OF LAST ACTIVE, 3 DIFFERENT DATES OF LAST PAYMENT, REPORTED ETC. Also youre reporting the account closed but you have failed to report or list the closing date or date of 1st delinquency which determines when this account drops off my credit report.. As you know the aforementioned inaccuracies, misleading, and incomplete information is a violation of my rights as a consumer, and also clear indication that this information was never truthfully verified by your agency upon receiving several of my previous disputes. I have faith in your organization to be an outstanding company and protect the rights under the provisions of FCRA. As screenshot of my credit report below, please send me updated copy of my credit report with the above deletions reflected. Ive asked on several of my dispute that creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account, because upon reviewing my credit, I have noticed so many discrepancies with the way it was reporting including questionable balance, questionable and inconsistencies of dates of last active, last payment, last reported, etc. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Since being placed with University Accounting Services for my Stafford loan. There has been nothing but trouble. Last year they continued to report incorrect information to XXXX XXXX. I would continuously dispute it would be good and then the next month they report it again. Now the continue to add payments do in the same cycle after I pay. I called and the say it will be fixed and it is not fixed. I am concerned they are going to say I have a late payment which would be false. Lastly, their statements are not easy to understand they have random large interest charges then a bunch of reversals its like they dont know what they are doing.

Company response to consumer: Closed with explanation