BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX Year XXXX, I the consumer initiated a consumer credit transaction with CAPITAL ONE BANK USA, an institution that was given instructions by I the consumer to extend myself the credit line of minimum XXXX USD. 
Throughout the history of the consumer credit transaction I initiated, I called out the violation of my federal protected rights and violations of federal law done through and by this institution through the use of False or Misleading representations, not providing documentary evidence when requested through the agencies of XXXX, XXXX and XXXX of the documents, correspondences, books of accounts with financial and corporate records of the consumer credit transaction initiated by I, the consumer and natural person. 

These violations listed include but are not limited to 15 U.S. Code subsection 1692e, 15 U.S Code Subsection 1692d, 18 U.S. Code subsection 1963.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX  account was opened in my name years ago via identify theft. Report was filed and company absolved me from the debt and verified it was fraud but yet continued to sell the debt to collection agencys who is trying to collect on this debt that isnt mine currently. They readded this identify theft under the new collection agency.

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 2015-07-01
Company: Ability Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been communicating with this collection agency about a debt that does not belong to me. After following up with phone calls and letter correspondence, i have yet to receive a reply. I am asking that this dept to be removed from my credit report immediately and for Ability Recovery Services to provide proof that the dept is removed. I am willing and ready to pursue legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: UT
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:
Rise account was opened in my name years ago via identify theft. Report was filed and company absolved me from the debt and verified it was fraud but yet continued to sell the debt to collection agencys who is trying to collect on this debt that isnt mine currently. They readded this identify theft under the new collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XX/XX/2020 I attempted a security unfreeze of my wife 's credit report etc. with Experian. While doing so in preparation for a refinance of our mortgage with Equifax and TransUnion was straightforward, Experian requires we mail-in multiple documents before they will unfreeze our account. They make it clear that were one to purchase a $ XXXXmonth service the unfreeze could be accomplished by a single click on their website. 

Exploration of Experian at multiple websites reveals that many people have had similar problems. It was only due to incompetence in the agencies that many were forced to implement security freezes in the first place, and now they further complicate one 's life by such onerous requirements. I want to begin the refinance process now rather than wait some indeterminate time ( or more likely, never based upon their marginal customer service to date ). 

I find it extremely egregious that this company, that I have no need for nor am contracted with, should have such power over my finances.

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 2022-12-07
Company: First Colony Mortgage Corp.
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have second hand knowledge of this. This conversation came from someone at the top of XXXX XXXX. 

Please. This is confidential information but I have been made aware of fraudulent activity between XXXX and their preferred lender, First Colony Mortgage to incentivize home sales since the market has shifted. XXXX  has contributed a substantial amount of money to First Colony to allow a rate buy down. They are essentially double dipping and exceeding industry tolerances for an interested party in order to sell more homes I work in the mortgage industry and am close to the source on this so I cant be involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, 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:
ACCOUNT # XXXX XXXX illegally sold a fake account to XXXX XXXX XXXX in violation of Title 15 USC 1681m ( f ) ( 1 ) of the FCRA . 

It is prohibited to sell an account that was reported as fraudulent. I reported the fake account that was created by XXXX XXXX to XXXX when I discovered the criminality. XXXX, went ahead and sold the account to the criminal collection agency in violation of Federal Law. See attached Fraud Alerts on my CRA 's and documentation with the IRS. 

Special Agent XXXX XXXX with the IRS-CID and Special Agent XXXX XXXX, specifically communicated to me that the XXXX XXXX has been stealing ID 's. In fact, there is another person in California and Florida using my credentials. The XXXX  would also use a person 's mailbox itself and snagg the incoming mail before persons would return from work. This is how sophisticated these XXXX XXXX   are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: American Coradius International LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a letter from American Coradius International LLC phone XXXX XXXX regarding a collection of a debt for XXXX credits accounts/Bill me later from current creditor XXXX XXXX  Original Creditor XXXX  for the amount of XXXX I called the collection agency on XX/XX/XXXX at XXXX spoke to an agent XXXX to verify the validity of the debt and was told that the account was charged off in XX/XX/XXXX. I asked her for the copy of the charges so that I can verify that the account/amount is valid but she advised me that she was not able to give me that information as she did not have it and she asked me to call XXXX XXXX  at XXXX which I did at XXXX and was informed that they " XXXX XXXX  '' do not have any records of accounts prior to XX/XX/XXXX. I was asked to call XXXX XXXX  XXXX XXXX and I did at XXXX and was told that they do not have a record of the account, they in turn asked me to call XXXX at XXXX XXXX and I did at XXXX and was again asked XXXX call XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) without success and I was asked again to call the collection agency. I called and spoke to supervisor XXXX XXXX who told me that he would be able to request the records but that would mean that the debt would no longer be with his agency, he asked me to call XXXX  back and I did again and was asked to call other departments XXXX, XXXX XXXX and I did unsuccessfully. I also called XXXX customer service at XXXX XXXX ( called multiple time reached automated reply stating we are not able to help you at this time requested that I contact the help center on line which I did and sent them messages without resolution. I called the collection agency back and asked to speak to XXXX XXXX and left a message asking him to call me back at XXXX and when I did not get a call back, I called again at XXXX, he told me that he is going to put out a request to have the details of the account mailed out to me. As I would like to resolve this matter would you please assist me in getting in touch with the group/company that is able to handle this matter. I can be reached at XXXX XXXX or via email XXXX or XXXX. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
COLLECTION CONSULT OF CAL is reporting a debt that I do n't owe and that account for XXXX XXXX was paid for. That debt was paid for I had insurance then. This is ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: KeyBridge Medical Revenue Management
State: OH
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:
Keybridge, a debt collector, with an address of : XXXX XXXX XXXX, XXXX, OHXXXX, ( XXXX ) XXXX has collected on three medical debts owed by me from XXXX XXXX in XXXX, Ohio. These debts were collected in XXXX XXXX Ohio Municipal Court successfully through a judgment and subsequent garnishment of my wages yet Keybridge refuses to update my credit report with accurate information that these three debts have been paid and satisfied.

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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I recently sent letters over 60 days ago to this bureau and they are disregarding my consumer dispute. Im stressed and have been sending letters before this and still no response. I am at the end of the road and filling this complaint. At this point I dont know what to do, about getting these items removed from my credit report. With these items on my report I am unable to get employment in my field and having difficulty finding housing. I would greatly appreciate your help.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-09-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My mortgage was sold from XXXX to XXXX XXXX ( XXXX ) on XXXX XX/XX/XXXX and XXXX XXXX failed to honor the original terms of the mortgage. When my loan was with XXXX, it was covered with XXXX credit reporting suppression ; however, XXXX XXXX failed to honor this coverage and disregarded my original coverage. I am XXXX XXXX XXXX XXXX and XXXX XXXX ( moved from XXXX to XXXX ) and during the COVID they still reported late payments to the credit bureaus, even though i notified them in XX/XX/XXXX that i was selling the home and asked for the COVID forbearance. However, the main issue is that my mortgage was protected from credit bureau reporting per my XXXX XXXX assistance.

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 2017-06-28
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I applied for a student loan with Sallie Mae and was denied. I am in  XXXX  school working on my  XXXX . However, I just co-signed a student loan for my son about  five  days was approved after I co-signed the loan. They then said my student loan which was eligible to be approved with a co-signer who was creditworthy. If I were not creditworthy then how could I be a co-signer on my son 's loan? This is just a scam to pull in more people to be responsible for a loan. They will then try to get both people to pay for the loan which will then get them double the amount being paid back.   This is unfair and discriminatory practices because then they said they do n't look at the FICO score which means that they are looking at my age, ethnicity as factors to determine if they will provide a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Jon Barry and Associates, 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: Account status incorrect

Complaint:
I recently checked my credit report and theres a collections that was added XX/XX/2018 in the amount of {$910.00}. It is from XXXX. I am not sure what this is about because I have always had insurance. And I had state insurance then which covers everything. 
If there was an out of pocket expense that should have been explained to me as far as why. I was told I had an XXXX XXXX and that it HAD TO be removed and now I get this bill. I have worked really hard to get my credit score up and I am extremely upset that this is now effecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: CITIBANK, N.A.
State: NY
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 crediting reporting act, these creditors have violated my rights. Under 15USCC1681 SEC 602 which states that I have the right to privacy. 15USC1681 SEC 604a section 2 which states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. 

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 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: Velocity Portfolio Group
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is over a year old, so I may be too late : On XX/XX/XXXX, I received a bill from XXXX XXXX XXXX XXXX XXXX for {$3000.00}, and the " original creditor '' cited was XXXX XXXX. I have never had an account with XXXX XXXX, so this immediately aroused my suspicion. 

I called to inquire and was asked for my social security number, which I refused to divulge ; after pressure I finally cited the last four digits and the rep on the other end of the line cited my SS # in full. I was then told that this was a debt dating back to XXXX ( I believe that is the correct year ; if not it was somewhere near that year ) and that I should " do the right thing '' and repay this debt .... I kept insisting that I never had a XXXX XXXX account. At this point I was offered an option to " settle '' the debt for about half the price if I " paid today. '' I said I would call back and then immediately called XXXX XXXX, whereupon I was assured that I never had an account with them. 

I called XXXX XXXX back and oddly enough the gentleman with whom I had previously spoken was gone. I then informed the woman on the phone that I had never had an account with XXXX XXXX and this was a fraudulent claim. She said they had received the claim from Velocity Investments , LLC ... 

I never heard from them again, but stories of recent scams in the news have lead me to feel a responsibility to report this agency for fraud. Thank you for your time.

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