BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
America First Credit Union has been reporting inaccurate financial information to all three of the major credit bureaus XXXX, XXXX, XXXX. A creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. Creditors or collectors are not allowed to report inaccurate information to your credit reports, and under the Fair Credit Reporting Act, I have a right to have it removed. I originally submitted a dispute with American First Credit in XX/XX/XXXX and all 3 credit bureaus as well. Once I submitted that initial dispute in XXXX the balance began fluctuating on the account. The original balance being reported to the credit bureaus at the time was {$15000.00} and since the account was charged off/written off. I also requested all the financial documents from America First Credit Union to be sent to me as well. In those documents there was a balance of deficiency letter dated XX/XX/XXXX which also stated the balance was {$15000.00}. In XX/XX/XXXX the balance increased by {$7000.00} after the dispute on the closed/written off account. The balance was now reporting as {$22000.00} because interest was all of a sudden added. Upon this drastic and sudden change I contacted the company and spoke with XXXX XXXX. I advised her that in the state of Arizona it was illegal to add a sudden increase of interest to a closed/written off account. In XX/XX/XXXX XXXX XXXX sent me a email advising me the company now has a policy that interest will not be charged on closed/charged off accounts and that all the interest would be removed, which ultimately should have placed the account back to the balance which was originally being reported as XXXX. This is also the same balance that was on the balance deficiency letter from America First Credit. I submitted another dispute in XX/XX/XXXX for inaccurate information reporting to all 3 credit bureaus and the balance decreased from {$18000.00} to {$17000.00} and showed on my credit report that a payment was made XX/XX/XXXX. This is again inaccurate information and no payment has been made on this account. I am requesting per my rights that this account be removed from my credit for multiple inaccuracies. Per my FCRA rights and the rules and regulations America First Credit Union is in violation of reporting inaccurate financial information. I would like this account removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Capital one account. I called in XXXX and paid off the full amount which was about XXXX and they closed the account and said it was good. Then I got a report on my credit report in XXXX that there was. XXXX balance on the card. I called and they said it was still interest owed from the prior month. I advised them I paid it off in XXXX and it was closed. Spoke to employee and supervisor who would not work with myself. Told them I would file a complaint. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05
Company: DISCOVER BANK
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please REMOVE this account completely from my Credit Reports : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: ENCORE CAPITAL GROUP INC.
State: MD
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:
Between the dates of XXXX XXXX and XX/XX/XXXX I documented 23 different phone calls made to Midland credit management Co. I want to settle a debt for approx. 800.00. I want a letter of satisfaction emailed to me and a line of satisfaction given to the court where there is a judgement against me. I have heard everything from we can't talk to you because you are from WV, which I'm not, to you have restrictions on your account and we can't help you. No one from the legal dept, customer support, resolution dept, countless managers could let me pay my debt. The computer system was also blamed. I was transferred 4 times where I was disconnected. I was told to call back in 1 day, 3 days, and most recently a week. I have attempted to pay my debt via online 4 times the week on XXXX XXXX with no success. XXXX XXXX I had an online chat with XXXX who told me she couldn't help me and gave me a number to call, which I have done more than once. What is going on? It has now been two weeks that I have tried to pay this very old debt. I want someone to accept my payment, give me a letter of satisfaction and remove the judgement Midland Funding LLC placed against me in court. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: Nelnet, 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:
XXXX  Nelnet, Dept of Education continue to report and include INTEREST on my federal student loans. I have continuously tried to file disputes but XXXX  keeps accepting this information as accurate. Since COVID, until XX/XX/2021 they are not supposed to charge interest on student loans but they have and they have added it to my credit report, which I have disputed with no resolve. From the federal student aid website : Coronavirus and Forbearance Info for Students, Borrowers, and Parents At the U.S. Department of Education ( ED ) office of Federal Student Aid, we are actively monitoring the coronavirus/COVID-19 emergency. 

COVID-19 Emergency Relief Flexibilities Extended Through at Least XXXX XXXX, 2021 The COVID-19 emergency relief flexibilities include but arent limited to the following relief measures for ED-owned federal student loans : a suspension of loan payments a 0 % interest rate stopped collections on defaulted loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep frustration and anger regarding the continued presence of a charge-off account on my credit report despite numerous attempts to have it removed. I find it utterly unacceptable that my repeated efforts to address this matter have resulted in nothing but prolonged inconvenience and damage to my financial standing. 

I initially brought the existence of this erroneous charge-off account to your attention. Since then, Despite my best efforts, the charge-off account remains stubbornly affixed to my credit report. 

This situation is not only impacting my creditworthiness but is also causing significant emotional distress and hindering my ability to secure favorable financial arrangements. I am at a loss as to why a seemingly straightforward issue continues to persist, and I demand immediate and effective action to rectify this injustice. 

I insist on a thorough investigation into this matter and the prompt removal of the charge-off account from my credit report. Furthermore, I demand an explanation for the repeated failures to address this issue adequately. The lack of resolution is not only an egregious violation of my consumer rights but is also indicative of a severe failure in your dispute resolution process. 

I expect this matter to be treated with the utmost urgency, and I anticipate a comprehensive response within the exact timeframe from the date of this letter. Failure to resolve this matter promptly will leave me with no choice but to escalate my complaint to the relevant regulatory authorities and explore legal avenues to address this matter. 

I have attached, once again, the supporting documents for your reference. I trust that this will be the final occasion on which I am forced to provide evidence for an issue that should have been resolved expeditiously. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7700.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-11-14
Company: Persolve, LLC - Legal - Series 2
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company ACCOUNT RESOLUTION ASS is trying to collect {$15000.00} from me for a bill they claim I owe. I have written them several 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 from ACCOUNT RESOLUTION ASS 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 ACCOUNT RESOLUTION ASS '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and ACCOUNT RESOLUTION ASS. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or 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 2021-01-31
Company: Medical Business Bureau
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company MEDICAL BUSINESS BUREA hsd three accounts affecting my credit score i dont recognize. Never seen a statement yo see what they are trying to collect. I just became a resident so my social security number is new. Im just starting ny credit in this country and is already bad because of this. They just say i owe this and need to be paid. When i look for the address I've never been in that location they claim to be charging me. I did go to the hospital. The bill was very different a higher amount but when i was released from the hospital since i dont have money to pay for it specially at the moment they told me those XXXX were paid by a non profit organization ( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This letter is regarding the account listed above, which you clam is a collection that i have with your company.I am requesting validation, made pursuant to the fair credit act section 605a 15 U.S. Code 1681C-1 Section 604 15 U.S. code 1681 b Section 605 b 15 u.s. code 1681 c-2 These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-03
Company: WELLS FARGO & COMPANY
State: CA
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:
Wells Fargo has been ordered to comply with their settlement to many prior account holders. My husband, my prior businesses and myself keep receiving letters asking us to cash checks for these settlements, which have never been received. If the company is trying to say they're sent payments, they have not. It's a ruse.

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 2023-01-05
Company: Experian Information Solutions Inc.
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: MD
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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 I noticed I had a collection from XXXX XXXX XXXX. The amount was {$4900.00}. They seem to have purchased a debt from Capital One. Two months before this account was opened my apartment was burglarized and many things including my identity was stolen. I filed a police report and sent it to XXXX. They did not remove the account! Thie account doesn't belong to me. Please contact XXXX and have them remove the account. Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-11-14
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2023-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
my account was used/stolen it was a capital one account I was in the hospital I could never see my credit report I want this fixed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11
Company: BBVA FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Several weeks ago I received an offer from BBVA USA to open a credit card. The advantages of the credit card were that I was to receive a {$100.00} bonus if I spent {$500.00} in the first 3 months that the card was opened. In addition I was to receive points equal to 3 % of a bonus category of spending which in my case I chose healthcare. When i went to open the card I was offered an additional bonus of points worth {$50.00} for opening a checking account which I did. 

Several days ago I made my first purchase on the card of {$130.00} for a doctor bill and all seemed well. Earlier this week I then made a chare of about {$3500.00} for a hospital bill and my account was blocked. Today, XX/XX/XXXX, I was directed to the fraud department and reported that the charge was one I had authorized. I was told by the fraud department that I needed to submit a very large amount of documentation to prove my identity to unblock my account. I also received indication that I would not get my bonuses unless I unblocked the account I feel very much that this is a bait and switch. If I knew I would have to submit the amount of documentation requested I would never have opened the account nor used it. I also feel that I was incented to use the account for my medical bills and that as soon as I used it the account was blocked which has clearly used up my available credit and given me a card which is now useless to me. 

I also feel that this may have been now for the sole purpose of not only denying me the use of the credit card and hurting my credit rating but also so the bank does not have to pay me the bonuses which I have earned which include the {$100.00} for opening the account and spending {$500.00} within 3 months, the {$50.00} for opening the checking account and the $ XXXX I have earned for the 3 % bonus for the amount I have spent on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
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 have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed some reports from XXXX but they were not able to remove it from Experian and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX XXXX XXXX Direct Violation of The FCRA Reporting falsely UndeXXXX XXXX XXXX Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX XXXX for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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