BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: Paradigm Assets, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company adds a negative credit remark to my credit saying I owe them {$6000.00}. I contacted the company they had incorrect contact information and I disputed the account that I knew nothing of. I explained to them I had no knowledge of the account and they stated it was my problem. I asked for the account to be removed from my credit as it was not mine. They promised theyd send me written information and have not as of yet. They stated it had my name on it snd it was my issue and to make payment arrangements with them. I explained to the rep it was not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May  concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.

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 2018-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have now been a victim for the second time where i file for my taxes and someone has claimed my dependent. the first time i was not informed of what i should do to protect myself and dependent from recurrence. now i attempted to file my taxes for 2017 yesterday and they were rejected. my daughter is XXXX XXXX XXXX and i am unable to request a credit report. clearly someone has her information and i believe it is ridiculous that i have to wait for my child to turn XXXX to check her credit to then have to clean up whatever damage who ever is using my child 's information. i believe that when a child is a victim of this type of theft they should be allowed to check their credit regardless of the age. the first time i believe my daughter was XXXX yrs old so i have to wait until she is XXXX this can ruin her future when it comes to credit.

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 2020-12-12
Company: ACIMA CREDIT, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased XXXX dollars worth up automotibe parts through Acima. They ended up being defective and I was told there is a life time warranty that isnt being honored. The car is now unsafe to drive and a death trap. I dont owe anything. I've been asking for a refund and to return the parts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted XXXX to do a dispute and I was told I can not do another dispute on the company because I disputed it in XXXX and it came back verified. I asked the lady what was verified beside a address and she said my social security number as well as my date of birth I made her aware that this is a fraudulent account and she said well they verified my information so I asked her is there a contract or something that she see that verified that I had an account with them she said no but they sent over something and I asked her well if there is something I need to see it and she had no idea what was sent to them to verify that I had an account with the collection agency nor XXXX who is the original creditor after we went back and forth she said I still couldnt do a dispute so she didnt know what to tell me. I made her aware that I have contacted the collection agency and XXXX and neither could provide me with anything showing I had an account its fraud she said well they verified the account and she didnt know what more to tell me. I explained to her that this is the second time this has happened when it was time for me to get a clearance for my job Im in the XXXX and if she would have looked back 2 years ago she will she a different collection agency had this same account on top of a third agency is also reporting this same account she was no help very rude and refused to look into the account to see what type of verification information they had to show I had this account. I am starting to think that the credit bureaus are working with the collection agencies because there is no way that you can verify I had an account with my social security number and a old address its impossible. So therefore I had to take this a little further

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 2020-07-28
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from American Coradius International claiming that I owed XXXX, XXXX {$960.00}. I called XXXX XXXX, who is the only part of XXXX I could owe money to and they said it is not from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WARNING. Compliance of HIPAA LAW VIOLATIONS. Medical Revenue Service. Violated my medical confidentiality by mailing a copy of my medical treatments through the US postal service dated XX/XX/31. MRS also Sent my medical treatments electronically 4 times through cfpb attachments. These both are HIPAA violations. I will send a complaint to HIPAA. These accounts must be deleted from my credit reports immediately.

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 2021-02-24
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/2021 I noticed that there errors, inconsistent, inaccurate, and violations through out XXXX XXXX, and equifax. they even have a couple accounts 120 days past due which that is a violation. I believe credit reports should be 100 % accurate and these are not. Child support should not be on profile as a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
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 know that the cfpb is well aware of portfolio continued illegal debt collection practices and consumer reporting violations. Well they are still at it. 

I pulled a copy of my credit report because I am planning to purchase a home and notice Portfolio reporting multiple times with different account numbers on my credit report I wrote to them and this is what I requested " I requested verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt '' All they sent me was the same documents I asked them not to send me, billing statements that anyone can create themselves, the billing statements of the companies they sent I do not recognize none of the documents they sent have my signature and the letter they sent with the fake billing statements said that they should not be collecting on the debt because it pass the statue of limitations. Yet when I pull a recent copy of my credit report I still see them there. Having the debt report on my credit report is a form of collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They refuse to remove erroneous information.

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 2018-04-06
Company: Radius Global Solutions LLC
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was hired by XXXX, XXXX in XX/XX/XXXX. I was provided a corporate credit card ( XXXX ) to which I should apply all work-related travel expenses as well as expenses incurred as a remote employee. 

I was laid off by the company in XX/XX/XXXX. At the time, there were outstanding expense reports that I had submitted, but had not been approved. With the layoff, I lost the ability to sign in to XXXX XXXX and so was unable to view my submitted reports. 

I started receiving calls from XXXX shortly after being laid off stating I needed to work with XXXX  to have the balance paid. I attempted to do so, and after several emails ( email thread will be submitted as part of this complaint ), a company representative responded that, " As of XX/XX/XXXX all items on XXXX 's account have been submitted, approved and sent for payment. '' I received another call from XXXX on XX/XX/XXXX about a remaining balance of {$680.00} and contacted XXXX by email again to say that XXXX was expecting payment from XXXX by XX/XX/XXXX, and if XXXX  expected me to pay the outstanding charge, it would need to provide me documentation of what they were claiming was my responsibility. 

I heard nothing further from the company nor from XXXX so I assumed the matter closed ... until this morning, XX/XX/XXXX when I received a call from XXXX XXXX XXXX ( XXXX XXXX ) stating I owed XXXX $ XXXX and that a XXXX representative stated I was responsible for the charges. I told the agency that I am not responsible for the charges and that they would need to provide documentation of any outstanding charges XXXX deemed " personal '' in nature. The agency rep responded that XXXX XXXX, XXXX 's Assistant Treasurer, told them I am responsible, but did not provide any further documentation about the case. 

I am unable to access XXXX systems, nor can I access transaction info on the XXXX site since the card is cancelled and has been sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax claimed to have verified a fraudulent account due to me being a victim of identity theft. I would like to know how and when and what method was used to verify a fraudulent account that I had nothing to do with

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Bliksum, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My company, XXXX XXXX XXXXs, XXXX received a business loan from LoanMe, LLC on XX/XX/XXXX in the amount of {$14000.00} of which {$12000.00} was loan amount and {$1400.00} was origination fee. LoanMe, LLC charged the XXXX XXXX XXXX, XXXX 94 % interest rate for this business loan. I made the following scheduled payments totaling {$20000.00} until my company fell into hardship with no revenue coming in. 

XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} On XX/XX/XXXX my loan was sold to XXXX XXXX, XXXX who then hired XXXX XXXX XXXX and law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX to collect on this debt. I attempted to negotiate a settlement of {$3000.00} for this debt but they never responded to this offer. I also made the following payments totaling {$1800.00} to the law firm in attempt to settle this debt : XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$200.00} I will be at XXXX District court on XX/XX/XXXX contesting a judgement against my company, XXXX XXXX XXXX, XXXX and my personal credit. So any advise you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Experian Information Solutions 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 have been a victim of Identity theft, someone has mysteriously open accounts using my identity. I have taken the liberty to file identity theft report, I was advised by Fraud department at Experian. I was told under the Fair Credit Reporting Act, the information contain in theft report would be blocked/ deleted at my request. However, after sending the report pertaining to theft, the account in question still remains on my file. I have not done business with the creditors listed in this complaint. I am asking for assisting from CFPB to help me get this matter resolve so I can move on with my life. It has been a complete nightmare dealing with this issue. I tried resolving this matter amicably with Experian. Please assist me, thank for time and attention in this matter.

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 2021-02-24
Company: WELLS FARGO & COMPANY
State: AK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo Bank ( XXXX Alaska ) gave unauthorized access to safe deposit box letting family member empty box with No accountability without any documentation correct paper work. Bank called to inform me of the error. Asked the family member to return the items they have refused. The bank is not taking responsibility for their error and acting like there is no problem.

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 2020-11-24
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
HAPPY XXXX AND HOLIDAYS! Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payments remarks on the last few months for XXXX and XX/XX/2020 for 30 and 60 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
credit acceptance corporation i had paid and turned in the car and i had made sure that i handled everything to properly close the account

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 monetary relief
Consumer complaint received 2022-10-05
Company: DISCOVER BANK
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 status incorrect

Complaint:
I paid off discover bank as it went into collections status. I advised that I would pay the settled amount and provided the deletion letter as requested. I had advised XXXX with Discover that I fell behind due to my wife having XXXX XXXX. She was unable to work and I had to focus on household bills, medical bills, medication and treatments as well as our children. I provided my reasoning with the letter, XXXX spoke with a manager and they agreed to remove this as a derogatory from all 3 credit agencies. I've sent the request to XXXX, XXXX  and XXXX with no corrections being made. I've filed a complain with the XXXX and now the CFPB before taking legal action. This is hindering me from being able to move forward in my job and purchase a home. I need this deleted as stated it would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
my complaint is against Capital one, in XXXX  I had a small cell phone business and an account to manage it with capital one several years earlier, but there was a time when the business income dropped drastically, and there were some payments that I could not complete, but Capital one instead of rejecting a single transaction which had no fund, left all the transactions that I was doing in process and then charged overdrafts for each of the transactions and that is how they came to charge me 5 or 7 overdrafts per day and In the course of less than a year they charged me {$7500.00} in overdraft, that contributed greatly to ending my small business and my health, my complaint is because I think that something like this must have a limit so as not to suffocate people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My account was compromised and Equifax took their time and notifying me. 

Previously my life was ruined because someone stole my identity .... Which is why I had Equifax in the first place. 

They had a breach and dis not notify their clients. That is wrong.

Company response to consumer: Closed with explanation