BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: Credit Collections U.S.A., L.L.C.
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:
I received a service from a medical facility whom did not bill my insurance correctly. The bill is {$1500.00}. I contacted the medical facility many times and they refused to resend the bill to the appropriate insurance for payment. When I last spoke with representatives form the company, they said it was too late to bill the insurance and have sent it to collections which is negatively reflecting on my credit and hindering me from purchasing a home. 
This account could have easily been paid in full if the medical staff/billing person would have completed the tasks properly to bill the correct insurance.

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 2021-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I am writing out this complaint today because i was unfortunately the victim of identity theft and because of this unfortunate event in my life the criminal then used my information to receive goods and other products using my information that he stole from me. They then neglected their payments and let the accounts that they opened under my name without my consent, be submitted to collections. I did not catch onto to this event until 3 years later and have since been trying to get my life back together for me and my family. I then went ahead and submitted the appropriate paperwork to the local authorities and then submitted the documents to all parties that were reporting the accounts on my credit report. All parties that received the paperwork such as ; XXXX XXXX, and XXXX  acted promptly and removed the accounts that stemmed from this event. The only one that continues to harass me about this old debt is the collection agency known as XXXX XXXX XXXX XXXX. I also submitted the paperwork to them and they responded with a screenshot of the receipt that was signed from the company and a screenshot of someone else debt which they are trying to claim i am to person responsible. Please help me as they have clearly violated my consumer rights according to the 605B of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Possible Financial 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:
I have been trying to resolve this issue with the companies and with the bureaus. I am a victim of identity theft and have accounts on my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Exeter Finance Corp.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The car that was allegedly sold to me was repossessed with the Exeter Finance and was not resold. According to Virginia state law once the vehicle has been repossessed, the original creditor may decide to either keep it as compensation for your debt or resell it in a public or private sale. The Exeter Finance decided to keep the car as compensation and therefore I no longer owe the original creditor for the vehicle. If this car was resold proper notices were not given. Under the laws of the State of Virginia UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. State law also requires that the creditor tell you the time and place of the sale so that you can attend and participate in the bidding or If the vehicle will be sold privately, you have a right to know the date of the sale. None of these things have been done or provided by this collection agency to properly validate that this debt is owed. 
I want to be provided the following : A proper validation with the signed contract with the original creditor A copy of purchase agreement If there have been any other changes or adjustments since the last billing statement from the Exeter, for them to please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are authorized by the agreement creating the debt and permitted by law in my state. 
Provide proof that all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
If the vehicle was sold provide proof with a copy of the required State law notice sent of the amount, time, and place of the sale and If the vehicle was sold privately, provide the proper notice with the amount and date of the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Synerprise Consulting Services, 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: Account information incorrect

Complaint:
I mailed a written request to this company asking for further verification of the alleged debt they are reporting on my credit history. It has been almost 6 months since I submitted this request and I have not heard back from them. This is a direct violation of my consumer rights in accordance to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Carter-Young, Inc.
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
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:
My mortgage company falsely added 120 days of being late on paying my mortgage on my credit which was incorrect. 

So I disputed the erroneous report to Experian and uploaded documents to show that I paid every month of the disputes items.

Experian came back with just one item corrected, so I sent receipts of the three they didn't correct. 

These receipts were uploaded to the Experian website. 

The name of my mortgage company is XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, CT 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 2021-07-18
Company: MORTGAGE SOLUTIONS OF COLORADO
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:
My mortgage company falsely added 120 days of being late on paying my mortgage on my credit which was incorrect. 

So I disputed the erroneous report to XXXX  and uploaded documents to show that I paid every month of the disputes items.

XXXX  came back with just one item corrected, so I sent receipts of the three they didn't correct. 

These receipts were uploaded to the XXXX website. 

The name of my mortgage company is Mortgage Solutions Financial, XXXX XXXX XXXX XXXX, XXXX, XXXX, CT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: NV
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 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. 15 U.S.C 1681 602A states I have the right to privacy.

15 U.S.C 1681 section 602A. Its also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Experian Information Solutions 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:
this is my second request and again for the second time I am sending my identification and a copy of my social security card and my FTC reports. If your office is now open from the covet-19 virus please address my 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 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Please see attached. XXXX claimed that they resolved my disputes but have not. I've been disputing with them for years. They have XXXX XXXX, XXXX  XXXX XXXX  etc. And 6 inquiries for which I have no contracts for and no authorizations for. These aren't mine. Result of their data breaches? They are willfully refusing to remove all items listed. XXXX XXXX must've been taken out by someone else and XXXX XXXX as well. I have no aligning contracts. My attorney wanted me to submit prior to us sending off formal legal complaints as I'm to receive monetary gain per each item they refused to remove. Per Comprehensive Credit Act of 2020 section 401 there is nothing that should be reporting as these aren't even mine. Please advise them as I'm tired of the situation ruining my reputation and defamation my character.

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 2021-05-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On approximately XX/XX/21, I received a XXXX XXXX card to activate for an account opened in my name at Wells Fargo. I did not open an account at this bank. I did not activate the card. 

About 2 days later, XX/XX/21, I received a PIN for this Debit card. 

There are no Wells Fargo Banks or ATMs near me for over XXXX miles. When I checked the customer service number on the card with the customer service number on the Wells Fargo website, they were the same phone number.

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 2020-06-29
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have sent letters attached with FTC Identity theft reports to XXXX  and XXXX  asking to block or remove items from my reports due to identity theft and the accounts remain as they say the accounts are accurate but in all actuality they arent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: PENTAGON FEDERAL CREDIT UNION
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect {$1800.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I contacted Americollect via Certified Mail about validating a debt that is on my credit report in the amount of XXXX $ opened on XXXX XXXX, XXXX. I have asked the company to please send me verification of this debt and they have failed to do so. I feel as if the company can not verify that it is my actual debt and I am asking that it be removed from all 3 Credit Bureaus, or for the company to send me proper verification as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Experian Information Solutions 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:
In XX/XX/XXXX I became aware that a creditor on a loan I recently paid off, XXXX XXXX XXXX XXXX, reported me 120+ days late on my Experian report. They also reported me late, not making a payment, and having a past due balance in XX/XX/XXXX. In XXXX they reported me 90 days late. This was a surprise to me, as I had a good payment history with this company and had paid the loan off early on XX/XX/XXXX. They had even sent me a Paid In Full letter on XX/XX/XXXX thanking me for being a good customer, having a positive payment history, and inviting me to apply for a loan in the future. I never received any communication from XXXX XXXX that anything was wrong with my account. My Experian report prior to XX/XX/XXXX reflected the accurate positive payment history I've always had with this creditor. On XX/XX/XXXX I mailed a dispute to Experian via Certified Mail Return Receipt requesting investigation into these errors. I sent a cover letter, a copy of my credit report with the errors circled, bank statements showing full on time payments for the months in question, bank statement showing the final early payment in XX/XX/XXXX, and a copy of the Paid In Full Letter from XXXX XXXX dated XX/XX/XXXX to support my request ( all uploaded for your review ). I just received the results of my investigation today XX/XX/XXXX via mail. The errors were only partially corrected, despite providing  documentation of my positive payment history, and negative information was added. The report now reflects Outcome-Updated : Status remained " Paid, Closed '', late monthly payments were changed in the Payment History to show XXXXCLS, and Recent Balance was was changed to " Not reported ''. The results from this investigation do not make logical sense. I made my XXXX payment on XX/XX/XXXX, my XXXX payment on XX/XX/XXXX and my final payment on XX/XX/XXXX ( which paid off the account ), but the Payment History shows 30 days past due in XXXX and 60 days past due in XXXX. I provided documentation of all these payments, and a XXXX balance, yet they remain on my report after the investigation and a {$0.00} balance is not reported. I do not understand how this information can be verified as accurate when I have provided upfront documentation demonstrating otherwise. Please help me make sense of this. I am a retired XXXX veteran living on XXXX ; my credit rating is essential to my quality of life. These changes Experian has " verified '' as accurate have destroyed my credit and negatively affect my quality of life. I respectfully request that your agency investigate this matter on my behalf. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: SYNCHRONY FINANCIAL
State: MD
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:
OnXX/XX/XXXX I received a email from XXXX informing Alert : Change To your credit file Detected. I contact them to ask them who inquire in my credit and they do not provided me any information they ask me to paid a credit Report. When I review my credit report from my bank loan I saw my score decrease from XXXX to XXXX, 14 points below on XX/XX/XXXX. This is very frustrated because I am working hard to fix my credit, I am planning to refinance my car and now if they do a inquiry in my credit that will affect. immediately y check into my Bank profile who also provided me information about inquiry and I noticed that the Bank SYNCB National Credit Cards/Airlines inquire my credit report with out my consent. Immediately contact the Bank and they said that I need to contact the credit Report and vice versa to fixed my score. That day I made more than 10 calls trying to find who was responsible for inquiry in my score. My big surprise was the date of inquiry from SYNCB National Credit Cards/Airline said that was on XX/XX/XXXXand that's not true I am monitoring my Bank account and that inquire was not there before in the credit Report. That inquiry appear the same day of my credit Report Decrease from XXXX. I opened on XX/XX/XXXX a account for XXXX  credit care Same Bank SYNCB but closed the account, never used the credit. SYNCB provided my information without my permission and affect my credit. That bank inquire my credit and they put a different Date. I never ask for credit/airlines. They denied any responsibility and what they advise me was to contact XXXX. I also tried to contact Complaint department from the bank and they did not transferred my call, they advise me to contact XXXX XXXX. I Was very frustrated because I am in the middle of this situation and now nobody know nothing about it. Attach my credit Report the inquire information of SYNCB and the XXXX Email, Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
I understand by law a company can no longer report after a charge off is paid and this account was paid in XX/XX/XXXX. I financed a XXXX through JPMCB chase finance on XX/XX/XXXX. I live in Louisiana and lost everything i owned including the vehicle in The Great 100 year flood in XX/XX/XXXX. I had full coverage on the XXXX and gap insurance. The truck was deemed to be a total loss and XXXX XXXX was processing the claim as fast as they could being that so many people were impacted. I was in touch with JPMCB Chase Bank and explained the situation and updated them as i was updated. My family including my XXXX  month old daughter were living in hotels and friends due to losing everything. I received a letter from JPMCB Chase stating they were going to put my account in collections in XXXX or XX/XX/XXXX. I called JPMCB Chase  and was informed that XXXX XXXX paid them but there was an outstanding amount of about {$300.00} and it was explained to me what for. I continued to communicate with XXXX and the Gap furnisher and they had no idea what JPMCB Chase was referring to. I contacted Chase and was never given a clear answer and by this time the charge off was on my record and i eventually paid it in XX/XX/XXXX without a clear answer because i was at their mercy due to having to start my entire life over due to The Great 100 year flood. Fast forward to XXXX and when i apply for credit and i get turned down because of a serious delinquency on my credit report. I pull my report and JPMCB- Auto Finance is still reporting to XXXX XXXX XXXX when the account was paid in full under duress in XX/XX/XXXX. I understand by law a company can no longer report after a charge off is paid and this account was paid in XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation