BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
To Whom It May Concern : I disputed a tradeline from XXXX  XXXX XXXX with Transunion on XX/XX/2020 that came back verified XX/XX/2020 from Transunion. On XX/XX/2020 they received another letter asking for method of verification ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). ).  Transunion failed to provide this within the 15 day time period. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Since Transunion is now in violation of the FCRA, I am reaching out to your agency to see if we resolve this with the tradeline being deleted due to improper investigation if one even happened at all, Incorrect information reporting and Transunion failure to provide method of verification in a timely manner. If we are unable to resolve this and get the tradeline deleted I will be forced to file a suit against Transunion. 
All supporting documents have been attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I underwent a surgical procedure in 2012 in XXXX, Florida. The entire charge was supposed to include all doctors and services. The bill was paid in advance in cash. Notwithstanding that payment, some doctor or other medical service provider charged for services already paid. I tried to resolve this matter for several years however, the hospital was sold and the new entity was either unable to, or refused to, provide all records and payment history. I do not and have never owed any sum to any medical provider. In addition, the statute of limitations has long passed on this purported debt. I have protested this fraudulent charge on several occasions and have received no response or records regarding this matter. Both the debt collector and the initial alleged creditor are engaged in a joint conspiracy to collect a debt not due and owing. I will next refer this matter to my congressman and senator together with the appropriate state authority governing hospitals and physicians in the State of Florida. This has damaged my credit for years and requires restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I'm sure I did not add ( address ) to my credit report. 
I will assume at this point that is is a typo considering the lay out of a 10 key. 
( Address ) is NOT MY ADDRESS My address is ( Address ) I do not reside in XXXX XXXX I live in 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 2019-02-21
Company: ERC
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: Was not notified of investigation status or results

Complaint:
XX/XX/18 {$94.00} I wasnt properly informed of this debris prior to the submission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I have a few addresses on my credit report that do not belong to me and I have issues with my verifications for my job. I really need these addresses off my file please delete, remove the following : XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX FL, XXXX XXXX XXXX XXXX  XXXX WI, XXXX My Address is XXXX XXXX XXXX XXXX XXXX XXXX OH Any other addresses are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: ENCORE CAPITAL GROUP INC.
State: IL
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:
XXXX XXXX XXXX claims I owe {$760.00} I dont know consumer never taken or borrowed money from consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi CapitalOne team, As I was reviewing my account and credit report I noticed the following compliance-related issues due to inaccurate information in relation to billing statements compliance, per FCBA, and CARES Act 4021 ( FCRA ) reporting issues compliance. 

I never received a billing statement, electronic or regular mail, showing a balance after the XX/XX/2020, payment was made. 

Reporting incorrect information and non-compliance with FCRA and provision of the CARES Act section 4021. Failure to update and set balance to XXXX. 
Failure to provide accommodations during the COVID-19 National State Of Emergency. ( CARES Act section 4021 ). 
Failure to provide current status for account information ( CARES Act section 4021 ) Failure to provide timely and accurate billings statements if a balance is due per FCBA. 
FCBA requires periodic ( normally monthly ) billing statements if there is a balance due. 
I never received a billing statement, electronic or regular mail, showing a balance after the XXXX payment was made. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was recently a victim of identity theft and this card was opened. It went in to debt and Im left with paying it the thieves had my SSN, address, email address, birthday everything needed to be me. Passwords and all. I never went into a capital one there was never a face to face varfiying it was me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: WELLS FARGO & COMPANY
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:
Wells Fargo is the worst business ever. 
they put negative information about my account, that i am late 30 days i wasn't aware of the information. and i did a mistake for not noticing but they failed to inform me that there will be any negative on my report, they failed to contact me, through email, phone or mail this is my rights under FCRA, SCRA, i am XXXX XXXX XXXX " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. '' and " You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information. " they say they try to contact me many times, which never happen and they refuse to show me any email or mail letter to confirm they reached me or even phone log, i only received one letter to tell me i have negative payment going to the report i asked to show anything to verify they reached me personally, they refuse. 

my only problem, is their own collection department : -do n't care that i am SCRA -refuse to show that their information is verified -add more information without my consent on my report ( 30 days late, and note that i didn't like their investigation ) -delayed my process -never answer question -refuse to understand that sometimes accidents happen -acting like their system is 100 % error proof and no way that accident happen and i wasn't informed -refuse to work with any negotiation -refuse to minimize damage -failed to inform me with any issues so what is their job exactly?

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 2018-02-24
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE CALLED XXXX XXXX XXXX SEVERAL TIMES AND TOLD THEM I DO NOT HAVE INSURANCE WITH XXXX XXXX AND NEVER WILL, THEN I CALLED XXXXXXXX XXXX COMPANY AND THEY CANT EVEN PRODUCE A ACTUALLY POLICEY, JUST A QUOTE FROM XXXX OF LAST YEAR. HACK I DIDN'T EVEN DO THE QUOTE!!! I HAVE REPORT XXXX  TO THE XXXX XXXX XXXX WERE I WORK AND NOW THE FRAUD DIVISON IS LOOKING INTO THIS AND SEVERAL OTHERS WHO ARE REPORTING THE SAME PROBLEMS. NOW THEY HAVE REPORTED A FRAUD ACCOUNT TO MY CREDIT REPORTS AND THE ACCOUNTS WASN'T EVEN SET UP. SENSE I WORK WITH THE XXXX XXXX I  LEARN WHO THE GOOD COMPANIES ARE AND XXXX IS NOT A GOOD COMPANY!!!!! THEY ARE A FLY BY COMPANY AND CLEARLY DON'T CARE ABOUT THE CUSTOMERS OR OTHERS! XXXX SAID THIS ACCOUNT WAS SENT UP ONLINE AND IT WAS A SOUTH CAROLINA QUOTE!!!! I DON'T EVEN LIVE IN SOUTH CAROLINA. I HAVE ATTACHED A POLICE REPORT AND A FRAUD REPORT FROM THE XXXX XXXX INVESTIGATION DEPARTMENT .I WANT THIS ACCOUNT REMOVED ASAP OR ILL BE FILLING LAW SUIT IN NC AGAINST XXXX XXXX XXXX AND XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm sure I did not add ( address ) to my credit report. 
I will assume at this point that is is a typo considering the lay out of a 10 key. 
( Address ) is NOT MY ADDRESS My address is ( Address ) I do not reside in XXXX XXXX I live in 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 2018-09-02
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

The specific information is not accurate. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX There are phone numbers that are not mine that I need removed ( 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 2018-08-29
Company: EQUIFAX, INC.
State: AZ
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:
The following First Access Visa credit card account/Card : XXXX through the XXXX XXXX XXXX is lost/stolen, has fraudulent transactions on the account and the account dont belong to me. The account is fraudulent and i never applied for this account. The account is fraudulent and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection agency named Portfolio Recovery just reported a {$3500.00} collection account on my credit report. I have no idea what this is, and I don't think it belongs to me. Prior to this account appearing on my report, I did not receive a notice of my right to dispute. If I had, I would have contested this debt before they reported it. By reporting it without any kind of notice, they have violated my rights under federal collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Experian Information Solutions Inc.
State: CT
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 sent a certified letter to all three bureaus and they have not properly handled my concerns. I asked them to send verified proof of the debt to which i was not supplied this verifiable proof. Here are the items : XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # 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 2021-09-01
Company: MONEY SOURCE, INC., THE
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:
My Mortgage Company has been reporting my forbearance late as much as 150 days late. I have email, and sent letters to the company and all 3 credit bureaus about this being a violation. I have been ignored and the Mortgage company has only fixed one error. once I placed the dispute they changed my payment history from 120 days late to 150 days late. Once I paid and got caught up they sent me a refund check for over XXXX for over payments. They are refusing to correct the late payment history on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
USAA COLLECTS & has destroyed my Credit. See attatched. CREDIT CARD FRAUD CLAIM {$470.00}. 1 ) USAA HAS NOT PROVIDED PERMANET CREDITS {$470.00} ( 2 ) TWO YEARS LATE. ** Kindly Note Complaint is ALSO 2 ) USAA JUST PROVIDED FRAUD CREDITS FOR XX/XX/XXXX {$460.00} ON XX/XX/XXXX. TWO YEARS??? ** AFTER DESTROYING MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I Co signed for a loan with my cousin. She has not made payments. So it falls on me. I have ask Credit Acceptance to send me what I signed and what I owe 2 to 3 times. They have my updated and old address and have never sent me anything. It has been I've 6 months since I requested information. I was not present during the loan process so I never received paperwork. However upon request they have never sent written notice of debt or bill. By law they are suppose to do that. I want loan removed from my credit bc how do I know it's not being taking car of if they don't send proper documentation

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 2018-08-29
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
All three credit reporting agency show hard inquiries I didnt apply for and they said they dont care I said its Identity theft and here 's the report they said they wont accept it I have proof from Equifax From them my information was compromised in the data breach they said they dont care. I have a id theft report they refused to use I mailed it to them they opened it then returned it saying the will not except this id theft report and all three credit reporting agencies have been sent these reports before 5 times, and they didnt care and there is more then the hard inquiries I my form that are on report due to id theft. 
And here is the proof of the if theft report you requested again for the 4 time everything on this complaint shows proof of identity you requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
so since the lawsuit on XXXX owners of XXXX. XXXX that controlled the XXXX and campus student lending loans promised if the loans were disbanned i would be payed back what i payed in. now that the loans were settled in court and the loans were dropped there not paying me back a dime. so in basically if i would of ingnored them from day one of the lawsuit i would of not had to pay a dime. 2nd i dont know why the accounts werent put on hold till the investigation done in the first place with illegal action done on the accounts. so i basically payed off almost all the accounts. campus student lending account paid in full balboa had 2 grand left when the accounts were disbanned

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
my wofe opened up an acoount and i have no acees to she told me inwasnt receiving any oney and come to find theres is money going into that 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 2020-05-12
Company: Frost-Arnett Company
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
FrostArnett Company in XXXX Tennessee was paid {$120.00} on XX/XX/2020 and my bank has verified that the check cleared on XX/XX/XXXX. They continue to send multiple notices a week dated on XX/XX/2020 without acknowledging the payment. I have called and a woman named XXXX said that they show the debt as paid but will not stop mailing bills or acknowledge my payment. 

Their address is Frost Arnett Company, XXXX. XXXX XXXX, XXXX, Tennessee XXXX. Their phone number is XXXX.

Company response to consumer: Closed with explanation