BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-13
Company: Hillcrest Davidson & Associates
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have contacted the collection company Hillcrest Davidson & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX at XXXX XXXX XXXX to let them know that they are incorrectly putting a collection in my credit report. They said that this bill is for a property in Texas. They also asked me to provide a bill and to file a police report so they can remove the collection. It is impossible for me to obtain a bill for a utility in a property in Texas because I have never lived in Texas, I dont even know the address that the utility was for. There is no way for me to stand up for myself at this time. Right now this is hurting my credit and I am unable to refinance because of this collection. I have contacted them many times to see what they can do but I always get the run around and I have attempted everything I could without having to file a complaint with you guys ( the CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: DISCOVER BANK
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:
In early XX/XX/XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under the new XXXX - XXXX partnership. Then using my identity he was able to access my XXXX XXXX bank account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, XXXX XXXX has admitted that after hearing the recordings it was definitely not me, nor my phone number. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through XXXX XXXX had been over multiple days and involved more than ten separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified XXXX XXXX, the branch as well as the dispute office. I have written XXXX XXXX on this issue over five times and called well over 30 times ending up with the last report being filed in XXXX of XXXX with claim representative XXXX XXXX report number XXXX, contact number XXXX. I was promised a resolution within 10 days and never received any further contact. Beyond the {$7500.00} in losses my credit score dropped over 250 points. XXXX XXXX never notified my creditors of my fraud and I have been denied on over 8 separate occasions from opening a checking account. Lastly, XXXX XXXX has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Portfolio recovery has been paid and they agreed to remove collection trade line from all 3 reporting agencies. This has not been done.

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 2023-01-11
Company: EQUITY LOANS LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After my loan closing, XXXX did not fund my escrow accounts the amount from the HUD. They eventually paid the amount that was due for hazard insurance and property taxes but that put the escrow account into a negative balance then the escrows were reanalyzed and this increased my monthly payment by around {$200.00}. My loan closed in XX/XX/2022.

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 2023-01-03
Company: Dynamic Recovery Solutions, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dynamic Recovery Solutions keeps sending me a bill that I do not owe. I have contacted them and told them that I do NOT owe the bill, but I keep getting billls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
We have applied for the PPP loan with Bank of America. The person reviewing our application is mishandling our application and keeps rejecting it without specifying the reason for rejecting it. We have attempted to contact the group that handles PPP applications with BOA but they are not getting back to us. This person is wasting our opportunity to receive the funding because of his/her mishandling of our application.

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 2017-08-11
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, 2017 I contacted Transunion and spoken to Supervisors XXXX to dispute credit inquires that was not authorized by me. I was advised that on XXXX can be removed. On XXXX XXXX, 2017 I mailed a dispute letter to have inquires removed. I received a letter back stating the inquires would remain on my report for 2 years.

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 2018-09-18
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt collection agency IC System states that I owe {$17.00} for medication received on XX/XX/2018. 

I provided proof that I paid it on XX/XX/2018 and I even have the bank statement to prove that the money came out of my account on XX/XX/2018 when I was notified of the amount to be paid. 

The company claims to have investigated the debt, but still refuse to acknowledge that I did pay the debt. Even though the hospitals information app clearly shows that they received a payment from me.

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 2020-09-06
Company: Experian Information Solutions Inc.
State: CA
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:
Today is XXXX XXXX, XXXX - XXXX - XXXX as informed notice of action with three credit reporting agencies XXXX, Experian, and XXXX refuse to report on a minor under the age of ( XXXX ) with required documents provided currently. On XXXX XXXX, XXXX - XXXX - XXXX the consumer made a request for minor under ( XXXX ) credit inquiry and/or statement letter response of no such account exits pursuant to the ( FACT ACT ) presently. All three credit reporting agencies XXXX, Experian, and XXXX all denied ( FACT ACT ) rights with no response to the issue. Gracious! [ XX/XX/2020 ] XX.

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 2018-09-18
Company: Navient Solutions, LLC.
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:
I paid the loan amount off in full and have been waiting for the status to be reported to all 3 credit bureaus. I paid the account off in full and Im awaiting for the company to report the information to the credit reporting bureau : XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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 am formally seeking proper guidance and assistance to secure that the information reported on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. XXXX XXXX / XXXX XXXX I would appreciate your immediate attention to this matter. I am looking forward to a positive response from 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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 reporting act, the following lit of accounts below as violated my federally protected consumer rights privacy confidentiality under. 15. USC 1681 uner 15 USC 1681 sec. 602 ( A ). 15 USC 1681 sec 604 ( A ). 15 USC 1681 ( A ), ( 5 ). 15 USC 1681 sec 2 ( A ) ( 1 ).. I would like these accts removed from my credit report immediatley and any other accts not listed alon with all inquiries. 

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

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 2018-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 client XXXX XXXX is a victim of identity theft. A previous dispute of this was mailed to Capital One fraud department however the office mishandled this as a durable POA and it is NOT. This is a dispute of identity theft. She received a Capital One credit card via mail that she never requested or applied for. It was determined her information was used without her consent to establish this account. ( Acct ending XXXX ). Capital One has failed to conduct a proper re investigation of fraud as outlined by the FCRA which is a violation of my client 's consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 have had the account with Bank of America for 5 years. In XX/XX/2020, my card was stolen and I reported that to Bank of America requesting they close the card. They did not close the card and I had no idea what is the status. In XX/XX/2020 they reported that I missed XXXX payments and that negatively affected my credit standing. I clear my outstanding balance on the card every month. Also I believe my account has been closed because I requested them to do so right after the card was stolen. Apparently they did not close the card and let it accumulates balance with unauthorized transactions. Now I left with a debt and missed payments report. 

Credit Card Account : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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:
I can't provide exact dates because I have been trying to get this matter settled with the Department of Education, XXXX XXXX ( XXXX XXXX XXXX ), as well as XXXX XXXX ( chairman ) from XXXX XXXX XXXX XXXX, for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. 

I am also a XXXX Veteran. I am submitting two separate XXXX XXXX ( documentation ) for proof and the account should be XXXX. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of XX/XX/1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: V and H Portfolio
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX. Shows incorrect balance and the account shows incorrect late payments. Acct. Was granted for Financial Forbearance was granted 3-Times. By XXXX XXXX XXXX. Financial Forbearance was granted for 3-Months XXXX XXXX XXXX, It's Written in the Lease, No Late Payments and No Missed Payments will Not be Reported to the. credit bureaus, XXXX XXXX XXXX, Reported to all three credit bureaus as 7-9, Late Payments. 
According to the Lease Agreement. When A Financial Forbearance is Granted, All Payments will be Added to Loan and must be paid at the back End of the Loan. 
XXXX XXXX XXXX Also recently added {$750.00} In Collections Added to the Account. 
This is Incorrect info to the car loan. 
{$750.00} is from a old collections XXXX. 
Vance and Huffman , LLC. 
On XXXX, XXXXXX/XX/XXXX Acc. Bal = {$12000.00} Loan Amy. = {$12000.00} Collection Acc.Added = {$13000.00} Incorrect Collection Account was added in the amount of {$750.00} This should be Removed. 
This Information was reported by ;XX/XX/XXXX Request Corrections to be made with XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2018-02-08
Company: Encircle Collections, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'd like to receive written verification that I have a debt that was obtained directly with Enircle Collections per section 609 of the FCRA. To date, the company has not provided me with any agreement that I've made with them directly. Where is the validation of debt paper work that I have with Encircle Collections?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
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: Account information incorrect

Complaint:
The three reporting credit agencies are incorrectly reporting my XXXX  SCORES! 
I have been of Identity Theft, the XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Department of Defense, Military Hospitals, Scams, department stores, lies about credit inquiries, lies about my debt ratio, lies about large balances, etc. THESE REPORTS ARE NEGATIVELY AFFECTED ME TO GAIN HOUSING WITH THE ADVERSE ERRONEOUS DATA. I AM GRAVELY IMPACTED. XXXX DID NOT PROVIDE CREDIT RESTORATION OR CREDIT MONITORING FOR MY CHOICE IN THE SETTLEMENT. Please help me to restore my CREDIT WORTHINESS FOR WHICH I WORKED MY LIFE TIME. 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 2021-01-29
Company: National Credit Systems,Inc.
State: NC
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 am writing today to request the help of the CFPB with my dispute with National Credit Systems , Inc . They have purposefully violated my rights under Section 1692g of the FDCPA and the FCRA for furnishing data to XXXX  and XXXX  when they have not properly validated this alleged debt. 

On XX/XX/XXXX I received a letter dated XX/XX/XXXX from National Credit Systems , Inc. regarding an alleged debt. On XX/XX/XXXX I responded with certified documents disputing this debt. National Credit Systems received these documents on XX/XX/XXXX at XXXX XXXX - document evidence attached. As of today, National Credit Systems , Inc. failed to respond to my request for validation and have violated 15 U.S. Code 1692 ( g ) validation of debts, which states, the debt collector must cease collection of the debt, including credit reporting until the debt collector obtains verification of the debt and is mailed to the consumer by the debt collector. As of today, XX/XX/XXXX National Credit Systems , Inc. has not provided this information, yet, has listed this alleged debt as a derogatory account with both XXXX  and XXXX. National Credit Systems has even noted the account with both credit reporting agencies as " Account information disputed by consumer, meets FCRA requirements '' ; however, never fulfilled their obligation.

Please note, in light of the KNOWN issue with the United States postal service delivery, I can not be held responsible for the delay in mail delivery. For this reason, I have attached proof of delivery that shows I was well in the timeframe of the 30 day notification period. National Credit Systems , Inc. did not make any internal adjustments to their processes ; instead willfully chose to be in non-compliance with the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called Credence LLC calls daily. They will not say what the issue is about, so I hang up or block their number. They just call from a different number each day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Capital One in XX/XX/XXXXabout some fraudulent activity on my account. Nothing was addressed until XX/XX/XXXX when I filed a complaint with the CFPB. Through the investigation, the credit card company credited my account for the purchases made on my account. In XX/XX/XXXX, the CFPB received notification from Capital One that they had granted me monetary relief for approximately XXXX which would cover the amount of fraudulent transactions. The CFPB believed the complaint to be settled and closed the complaint. There was neither any explanation nor indication that any of the previously credited money would be returned onto my card. 
Reference number : XXXX Capital One received payments from two different bank accounts not in my name and not controlled by me. They confirmed and approved the deposits which made it appear that the account was active, up to date, and able to be used. Three months later, after the purchases were made, the deposits were returned. It is not my fault that Capital One did not do due diligence and accepted monies from what were presumably stolen bank accounts. Had Capital One not approved the deposits, the purchases would not have gone through. There was no indication that there was anything wrong with the account until the payments were returned in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have contacted your team to inform you all my account was improperly closed, as I was scammed restore my accounts. Below is the communications with the local Precinct and Also contact for XXXX XXXX XXXX Detective XXXXXXXX XXXX Complaint Report Number : XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX

Company response to consumer: Closed with explanation