BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 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 2021-07-06
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2017-08-02
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went onto   XXXX   XXXX   on  XXXX / XXXX /2017 and saw a debt for Medical Revenue Services. I got the phone number and called to figure out what the bills were. I wanted an itemized bill. I spoke with   XXXX    who is a representative of Medical Revenue Service. She was very rude. When I asked for an itemized bill she said that they had sent the itemized bill on 3 separate occasions and that she would not send anymore bills with out a payment arrangement. She also proceeded to tell me that I owed them more money than what they were reporting to the credit bureaus. I owed them a total of {$4800.00} she said the amount included the {$1400.00} and the {$2200.00} that are already on my credit report and the amounts of {$650.00} and {$520.00} that they are not report at the moment and I had no knowledge of nor will they give me proof of the debt. If I setup a payment arrangement today they wont report the other amounts. After some thinking and the fear of new stuff popping up on my credit report I setup a one time settlement. I still wanted a copy of my bills to prove that I owed the debt. She also told me that we would have to wait to get approval from the hospital for the settlement and that would give me a 25 % savings and the lady representing the hospital had gone on vacation and would be later that day or the next day.
After speaking to a friend and doing research the next day I called to speak with   XXXX   's supervisor. I was transferred to  XXXX  the supervisor. I told   XXXX   about my conversation with  XXXX  and how I was requesting an itemized copy of the bills and how she setup the payment arrangement with threats of placing the other items on my credit report. He got mad and told me he would terminate the payment arrangement. I told him I wanted to know what I was being charged for. I said I will pay my debt but I do n't even know what its for. He told me on 3 separate occasions they mailed out the bills I explained that I never received them.
Later that day I called to confirm the arrangement amount. I then called   XXXX    back and told him I am canceling the arrangement and would like the itemized bills sent to me. He got verbally abusive and told me I did n't want to pay my debt and that he will not send me any bills and be would send my debt to the State of South Carolina and they can send me the itemized bill and that he would start to report the other debts. Also he did want me to call back.
I just want a copy of the itemized bills to know what i am paying for. My request for it to be sent certified so we can both make sure I get it was denied because he said under the law they do not have to.

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 2021-07-06
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I turned in my lease early. I made my final payment XX/XX/2021. I neglected to turn off auto pay and XXXX payment was taken out. I called and chatted with Ally multiple times and they kept saying it would be 30-45 days before I saw the payment returned. XX/XX/2021 the dealership paid off the loan. When contacted again, they continued to say they were waiting for paperwork from the dealership. On XXXX I received in the mail a bill for ; Disposition fee XXXX sale/use tax on disposition fee XXXX Less - other funds received XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Total XXXX They are saying that the funds from the dealership were " removed '' or something so the next payment from them was late and I have to pay another monthly payment! So in essence, I'm going to make TWO extra payments on a truck I turned in XXXX?! I called again XXXX and XXXX told me what he could " see '' and he couldn't do anything about it. I asked to speak to a supervisor and he said no one could help me. I have no issue paying the {$100.00} for the balance of the disposition fee and the tax, but I can't understand how the rest is even relevant. 

Thank you for any help resolving this issue. 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 2021-07-06
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Consumer, XXXX XXXX entered into a consumer credit transaction with American Express on XX/XX/2017. There was a finance charge involved. Per 15 usc 1605 the Finance charge is the sum of all charges in a consumer credit transaction. American Express has sent me several bills with violations of 15 USC 1692. American Express used symbols on the contents and in the inside of the envelope that indicated that they were in the debt collection business. American Express has infringed on my privacy rights as a consumer. American Express continues to violate me. In effort to resolve this matter outside of court I mailed American Express an Affidavit of Truth with exhibits labeled A and B proving their violations as well as an invoice for their violations pursuant to 15 usc 1692k as well as a cease and desist. American Express reported this transaction to the consumer reporting agencies but never gave me the opportunity to opt out of reporting pursuant to 15 usc 6802 ( a ) ( b ) ( B ). This is causing me a great deal of stress that affects both me and my children. I am stressed out. Please help me get complete remedy from these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was attempting to refinance my mortgage with Amerisave. 
I submitted a loan application on XX/XX/XXXX, and paid {$500.00} ( via credit card ) on the same day. I was told that this would be the only upfront costs, and that I should expect to close by mid XXXX before my next payment was due ( XX/XX/XXXX with grace period ). I was told I did not need to lock the rate. 
After this point Amerisave began sending automated texts requesting information. 
The only information that the Amerisave website tells me I need to provide is proof of funds for a total of $ 12-13K - which is inconsistent with the information that I only need {$500.00} up front. At this point I have checked the disclosures and the disclosures all inaccurately show that I would need > $ 12K at closing. 
Communication from the loan originator and loan processor are extremely slow and unresponsive. 
I sent texts to the Loan Originator on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX with no response from the loan originator. I did receive numerous automated text requests for the proof of funds. 
I left voicemails for the Loan Originator on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX. No call-backs were received. 
I received a survey on XX/XX/XXXX, and provided negative feedback. That feedback was responded to quickly with a statement that they were just waiting on the subordination paperwork. 
On XX/XX/XXXX I received an email stating I had new loan disclosures. Per the above, those disclosures are incorrect. 
On XX/XX/2016 and XXXX I sent emails requesting that the loan originator call me to discuss status. Those met with no response until XX/XX/XXXX. 
On XX/XX/XXXX, I received an email stating basically that it was OK that the disclosures were incorrect. The loan originator committed to call on XX/XX/XXXX which did not occur. 
On XX/XX/XXXX, I sent an email indicating that I had not received the advertised call. 
On XX/XX/XXXX, the loan originator sent an email indicated he had been out due to a family emergency but that he would call me that day. That call did not occur. 
On XX/XX/XXXX I sent an email re-iterating that the disclosures were incorrect, that the lack of quality communication was a problem and that if I did not close by XX/XX/XXXX I would pursue taking my business elsewhere, and seeking a refund of the fee paid. 
On XX/XX/XXXX, the loan originator sent an email indicating that they were still waiting on subordination and would check status before calling back. I have received no communication from the loan originator since this date. 
At this point I am out of pocket for {$500.00} upfront costs, plus the lost savings from 2 months mortgage payments which would total about $ 400-500 per month.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: NJ
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 submitted a dispute to Equifax earlier this month regarding an alleged bankruptcy on my credit report. According to their website an investigation was opened on XX/XX/XXXX and was closed on XX/XX/XXXX and the bankruptcy remains on my credit report. According to Equifax they verified the bankruptcy information with XXXX XXXX. This statement is as a result of an error on their part or either is an outright lie as I have documentation from XXXX XXXX stating that this information is not on file with them. If a complete investigation had been made it was not verified by XXXX XXXX. I'm including XXXX XXXX in this complaint so that they can answer clearly about whatever this potential mix could be as the paperwork that they recently sent me dated XXXX, stated that the bankruptcy was not on file with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This 3rd party debt collector ( AFNI, Inc. ) keeps harasing me with collection letter on an alleged unpaid debt with XXXX XXXX XXXX. I have reported this company in the recent past for the same collection letter except this time they are attempting to collect a " discounted '' amount. This is pure harassment. I never had an XXXX XXXX XXXX account in my life. My identity was a victim of theft from a breach from XXXX account and was reported approximately 2 years ago. This needs to stop. This company has recenlty filed with XXXX and is trying to ruin my excellent credit status. Luckily, XXXX took it of my account as they realized it was an a fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: IN
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 checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Please investigate and remove fraud accounts.I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 

XXXX opened XX/XX/2017 account number XXXX XXXX XXXX account number 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 2017-08-02
Company: Experian Information Solutions Inc.
State: IL
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:
I disputed through   XXXX   and now there are an additional  XXXX + inquiry on my report. They should have been removed because I have n't applied for credit in over a year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Spark Capital One XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX COVID19 shut my business down and I called to ask for extension they agreed but mark my credit report derogatory for being over 90 days late. I have asked them to remove this several times as I am trying to buy a home and can not because of these scores. In XX/XX/XXXX I paid entire credit card off in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02
Company: ARC Management Group, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Arc management is reporting  XXXX  owed from   XXXX   XXXX   on   XXXX    2016. I have no knowledge of this debt nor did I receive any services from   XXXX   XXXX   or arc management. I have asked them to validate this debt to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Credit One LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2018 I receive a bill in a letter form CREDITONE L.L.C. informing me of a debt on the amount of {$10000.00} I disputed this debt immediately by calling the Creditone LLC Manager Mr. XXXX XXXX at XXXX and notifying him so. Actually, I left a message on te answering machine informing him about my denial of such debt, which was registered by their Creditone File No : XXXX Their address is : Creditone LLC, XXXX XXXX, XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Consumer Portfolio Services, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In addition to repeated calls while I was at work, CPS contacted several friends and colleagues. They identified themselves as a debt collector and identified the specific debt they were trying to collect, asked for my address and who my employer was ( information they already have ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to complain officially as these accounts are not mine : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Please check these accounts and try to remove them. This is the biggest error in reporting, I can not believe still.

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 2017-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion continues to report a U. S. Bankruptcy Court ( Georgia ) item on my credit report that they have not validated or verified as outlined by FCRA. I 've asked them to send me the name, address phone number of the person or persons etc. they spoke with or the documentation validating and verifying the information but they have NOT!!!!!!!!!!!!! Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
The Bankruptcy Court ( Georgia ) have stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.
My inquiry to the U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified this inaccurate public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I demand all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Help in in getting Transunion Credit Bureau to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file Transunion maintains under my name and social security number.
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Transunion is required by federal law to verify through physical verification of the ORIGINAL SIGNED consumer contract and/or judgment ( s ) all accounts and public information that they post on anyones credit report. Otherwise, anyone paying for their reporting services could fax, mail, email in fraudulent and erroneous account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotional email from The XXXX XXXX XXXX Mastercard by Barclays Bank Delaware on XX/XX/XXXX. In the email, it says I would receive a {$20.00} statement credit after placing 3 orders with XXXX XXXX, XXXX, XXXX, XXXX or XXXX between XX/XX/XXXX and XX/XX/XXXX, using my card. The term says the statement credit will be issued 6-8 weeks after the end of the promotion. By XX/XX/XXXX, I made 4 orders with XXXX XXXX and XXXX. However, until now, XX/XX/XXXX, the statement credit was still not issued. I contacted the company multiple times since XX/XX/XXXX. The agents only mentioned that they are investigating/escalating the issue. In the most recent contact with the company, the agent offered no estimated time to resolve the issue.

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