BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ON XX/XX/XXXX There was an account opened in my name that is now in collections for {$9300.00} ALSO ON XX/XX/XXXX There was a false collection for {$670.00} under my name that should have been resolved already. 

15 USC 1681 section 602 A : States I have to right to privacy 15 USC 1681 section 604 A : States a consumer agency can not furnish an account without my written instructions.

15 USC 1692C STATES : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Under 15 U.S.C 1681C-2- Block of information resulting in identity theft. THE LAW CLEARLY STATES : Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Nowhere in the LAW does it state that I HAVE to provide you with any POLICE report. This is clearly a stall tactic and going against my human rights.

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 2020-07-14
Company: CBC Companies, 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:
Innovis has been great, the only reason for me to submit this through CFPB is for documentation. According to CFPB XXXX there is no longer a file to maintain. I have an online account that I am able to still access - I am asking for this to be permanently deleted from the Innovis database ie my username, address and any other contact data. I will use this company response as my documentation for my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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: Information belongs to someone else

Complaint:
These are not my accounts, nor did I authorize these companies to run my credit. This is a second request to remove this information from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: SYNCHRONY FINANCIAL
State: TX
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:
SYNCHRONY BANK refuse to correct the problem with my HSN account. 
We complete a special terms promotional financing for purchase of a computer, however we sent the computer back XXXX item was returned WE were given the credit over XXXX bucks but THIS BANK refused to remove the 12 months financing off the card. The Account is set up like we are buying the computer! This account should be set up for us to pay items off in a timely matter under the terms and promotion that has been Set up by HSN. 
Note- we are including a copy of the information that is set up on the account as of today! We were told that the credit agency has set up a check system on our Synchrony Bank account. This was not a true statement- Synchrony Bank is the owner of the account. HSN is the company that we do business with therefore, we are asking for you to look into this matter- This bank refuse to carry out the terms and condition of HSN . 

Purchase XX/XX/XXXX Computer -returned but the deferred interest did not go away, if we do not have the computer and it was returned then why does a deferred payment plan for the computer is sit on the account. This is call fraud and corruption - A fraud has been committe by the Bank, it should not be a special terms or promotional of financing for the computer on the account Date Purchase Amount/ Special Terms Deferred Interest Charges Promotional Balance Expiration Date XXXX XXXX $ XXXX/DEFERRED INTEREST/WITH PAY {$27.00} {$690.00} XX/XX/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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX : The credit inquiry named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your release of my credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? I have submitted several disputes and several times I have been notified that there was an investigation. 
If you can not provide such documentation, you are obligated to remove the offending inquiry at once. Can you provide me with the validation that was used to verify this information? 

Sincerely yours, 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 explanation
Consumer complaint received 2021-06-08
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I started to receive letters from Midland Credit a couple months back for a said amount of {$1400.00} that they claim I owe. I sent them a Debit Validation letter via certified mail on XX/XX/2020 to ask them to please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations has not expired 6. A valid, legible copy of the agreement stating the debt and interest charges.

I mailed it out to the address that they have on file that says to mail any kinds of disputes there, which according to them is located in XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX. I received the return slip that certified mail is sent out with and returned with a signature by XXXX XXXX showing that they indeed did receive my letter but they have not answered me with the information I requested to validate this said debt. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-17
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XXXX/XXXX/XXXX XXXX XXXX tried to collect a debt of {$1600.00} from me. This is the wrong amount it was only {$1000.00}. They also have been sending me letters for 3 years threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, how are you writing this regarding some FRAUDULENT queries in my credit report already filed and the same complaint, for someone else is using my personal information to try to open accounts in my name, please remove all these fraudulent queries from  my credit report ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/2020, XX/XX/2020, XX/XX/2020 and myself or a debt repair agency has tirelessly disputed incorrect information on my credit report. In XX/XX/2020 I disputed a late payment with XXXX XXXX, the creditor agreed to waive the late fees which caused the balance and the account was left with a XXXX  balance. I have tried unsuccessfully to have the late payment removed from my credit report I even provided proof from the creditor that the changes were reversed. The account is still reporting negative on my credit report. I have disputed with all three credit bureaus and always come back as verified when disputed.

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 2020-07-09
Company: AMERICAN EXPRESS COMPANY
State: CA
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 noticed that my report is reflecting late payments on two accounts from American Express. These items are inaccurate because both accounts are paid in full and in good standing. 

AMERICAN EXPRESS : # XXXX AMERICAN EXPRESS : # XXXX I am requesting that the item be deleted to correct the information. Please reinvestigate these matter ( s ) and correct the disputed item ( s ) as soon as possible. 

In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete the item. Additionally, I respectfully request that you forward to me an updated description of the procedure used to determine the accuracy and completeness of your removal as required by the Fair Credit Reporting Act and confirmation that this information will not be re-inserted. Thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Community Health Investment Company, LLC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 I filed a complaint they the cfpb with an alleged debt of XXXX XXXX XXXX. The account was closed and removed from my credit report but put back onto my credit report several months later with any formal notice or validation of this alleged debt. I am allowed under the Health Insurance Portability and Accountablity Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is only should be revealed with patients authorization. Therefore, my request is twofold, validation of alleged debt and HIPPA Authorization. Please have company note that withholding the information received from any medical provider in an attempt to be a HIPPA complaint can be a violation of the FDCPA because you will be deceiving me after my written request. I also would like a reason as to not being notified of this alleged debt being placed back onto my credit reports without and notice after it had been removed after filing a complaint in XX/XX/2018. According to FCRA I should have been notified or contacted, neither was done. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the FCRA. If this information can be obtained I will need the name of the person providing this data and the way that it was provided. If you can not obtain the information requested with the original creditor within the required time frame ( 30 days ) please delete this account from my credit report with all bureaus and that it can not be sold to another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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 multiple times for inaccurate addresses. These bureaus say that they can not remove addresses from my report and say that they are attached to accounts when one of them is an address that does not exist. They will also not take off multiple names that belong to me. They will not give me information on how they verified these accounts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Citi card services has been constantly calling me on a Saturday afternoon ( more than XXXX times daily ), to collect a late payment ( only a XXXX late ). It is not reasonable to call this often, when a single message would be sufficient, especially considering it 's an account in good standing and only this XXXX payment has been late. Number being called from : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
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 information incorrect

Complaint:
I noticed that my credit reports are reflecting a late payment on my XXXX XXXX XXXX XXXX  account. This account is paid on time each month and my balance owed is incorrect. See enclosed documentation. In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete this negative mark. I have previously contacted the creditor to update their records.

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 2023-03-13
Company: Velocity Portfolio Group
State: NC
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 a credit card on my credit report that I did not apply for or have.

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 2018-05-21
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello and thank you for your consideration. I noticed an item that was sent to collections as a charged off debt from XXXX. However, this alleged debt was settled prior to terminating my contract with this company. Prior to closing the account, I made a payment of {$160.00} to XXXX and was told that this satisfied all outstanding charges. I have tried to contact XXXX and they have refused to validate the debt. The debt was transferred to a company called Amsher Collection Services. Both Amsher and XXXX have refused to validate the debt owed or provide any documents proving the alleged 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 2021-06-08
Company: First Federal Credit Control, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed these accounts with the credit bureaus and First Federal Credit Control because they appear to be duplicate accounts. First Federal sent me nothing to validate the accounts, and continue to report the disputed accounts, both of which violate federal law. They are reporting duplicate information on my credit report and they are flagrantly ignoring my disputes! Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Professional Credit Management, Inc
State: AR
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:
Hello I have disputed with both XXXX  and the collection company on the inaccuracies being reported on my report. I sent certified letters on XX/XX/2021 with no response to the company. Professional Credit Management has violated my ( HIPAA ) rights as I have asked them to provide documentation of my written signature stating the release of any information or contract I have signed be provided to me. I am allowed to have my privacy PROCTED. I disputed on XX/XX/2021 with XXXX. See CERTIFIED LETTER XXXX XXXX has allowed this violation by continuing to validate and not verify this information. The results of there dispute are attached along with letter I sent to them requesting 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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

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 2018-10-01
Company: FIRSTBANK PUERTO RICO
State: GA
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 summited one payment transaction online on the XX/XX/18 with XXXX XXXX in Georgia ( Routing number XXXX ) the amount XXXX and it was withdrawn twice and only one transaction was authorized by me to be deducted only once by the FirstBank of Puerto Rico ( Routing number XXXX ). First Bank of Puerto Rico are the ones declining to make the refund and every time I call them they give me a new set of excuses. If I request to speak with a manager they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My credit report has an account on there that should have been removed. It has been over 7 years and they have not removed this account. Also, there is a credit account that is missing. I have an account with my wife ( XXXX XXXX ) and XXXX chooses not to list this account. The first account has two charge offs for one account and ( XXXX  ), this does not make any sense to have two charge offs on one account. This is affecting my financial life in this crisis. They have reduced my credit score by 100 points and when I try to resolve they did not.

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 2020-07-09
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My XXXX XXXX with XXXX XXXX covered the entire XXXX for XXXX XXXX XXXX of 3 dose series. I only had to pay {$8.00}. Credit Collection Services sends me a bill stating I owe {$470.00}. The vaccine was already covered in full by the insurance of XXXX XXXX with XXXX XXXX. The excessive charges is inaccurate. According to XXXX XXXX XXXX it was overpaid, and in the negative.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2021 I was pressured by dealership to buy more cars when i came to buy XXXX but due to the fact they ran my credit without my authorization XXXX times and I had approval from XXXX bank they insisted I dont let the approval go to waste and use them all. I said it didnt make sense financially but they used high pressure sales tactics and mislead me to believe that i was essentially required to do so. I sent out a letter of rescission, a list of my right that was violated, and asked for debt validation. certified mail said the letters was delivered but still no response

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