BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
You have 1 account in Collections Contact Information FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XX/XX/2016 - - XXXX XXXX XXXX XXXX XXXX, MD 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 2020-09-18
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: Problem with personal statement of dispute

Complaint:
I opened a XXXX credit card and received mile for XXXX XXXX flights in XX/XX/XXXX. Upon opening the account online I was prompted by their website to establish auto-pay, which I did with my bank ( XXXX XXXX ). I was told auto pay was the only way that I would be able to get the miles for flights.I made a single charge on this act on XX/XX/XXXX for {$3.00}. I presumed that autopay was set up so therewas no need to be concerned about making a payment. In XX/XX/XXXX I was informed via an email that my act was past due. Upon logging onto theXXXX website, I saw the single charge for {$3.00} and a series of late fees. I immediately paid the balance including the late fees, and contacted customer service and explained that I enrolled in autopay and was told that there was nothing that could be done other than mail in a complaint. Recently I received a credit report with amuch lower credit score due to this discrepancy. I kindly requested again that XXXX remove the delinquent payment from my account and provide that information to the credit agencies which said they can not do. I failed to notice emails from XXXX about an outstanding balance in XXXX, XXXX, and XXXX because I thought I was enrolled in autopay, additionally due to stress and work-related challenges because of the COVID-19 pandemic. XXXX is unwilling to remidy/adjust my credit report for a {$3.00} charge in which I believe I was enrolled in auto-pay.

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 2020-12-05
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, XXXX  and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and over 3 months since my second written request and I still have not received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Because Transunion continues to report unverified, incorrect, and inaccurate information, this complaint is directed again at Transunion. I sent them a letter and called them even with respect to supposed obligation of the record reflected in my credit report wherein I was never told of this supposed obligation. This collection agency is violating the CFPB 's new Debt Collection Rule, which takes effect on XX/XX/, by reporting an unsubstantiated debt without providing proper notice prior to reporting. 

My privileges has been abused various times. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a previous complaint XXXX and the company placed it on my credit without my knowledge and did damage to my personal and professional life I might never recover from. Their response was that they would mark as a dispute. I checked my credit today and that did not happen. On all three credit report they were marked as open collections and I had to go and dispute them. They did not take the steps that they said they would do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've recently sent certified requests to investigate information on my credit file. On, XX/XX/20, XX/XX/20 and XX/XX/20. To date the companies have failed to comply AND not done their duty as mandated by law. There actions were a generated computer response. This is my third attempt requesting them provide an investigation and verification into these accounts.

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 2019-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Portfolio Recovery is reporting multiple collections with the account numbers # XXXX, # XXXX, # XXXX, # XXXX to my credit that are past the Statute of Limitations in Utah. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
OnXX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
Remove late payment from Capital One XX/XX/XXXX and XX/XX/XXXX for credit card ; this company is in violation of 15 USC 1681 15USC 1681b 15 USC 1681 ( 2 ) ( a ) ( i ) 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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 received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2021-05-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently disputed a bankruptcy on my credit report at the three credit bureaus. They responded to the dispute confirming the bankruptcy stating the information was provided by the XXXX XXXX CT XXXX XXXX XXXX XXXX. I wrote the XXXX XXXX CT XXXX XXXX XXXX XXXX confirming their procedures in regards to bankruptcy records. The XXXX XXXX CT responded confirming they DO NOT supply these records to the credit bureaus. I then sent a copy of this letter from XXXX BKPT CT XXX XXX XXX XXX to each of the credit bureau, along with the letter identifying the mistake. I requested the removal of my credit reports. They all have continued to refuse its removal.

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 2020-06-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Please review to make sure that application for payment plan change or whatever the proper term is correct. I am not sure if I was eligible to have the plan changed. I reviewed the application documents or whatever again at a later date. 

Also, I think I didn't receive statement ( s ) for whatever reason. I have been at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX since like XX/XX/18. 

I can't attach anything because I don't have a laptop, desktop, XXXX, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Synovus Bank
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:
Synovus Bank XXXX - prior to the XX/XX/XXXX dispute the credit report showed 22 missed payments and acct c/o XX/XX/XXXX. The dispute I submitted was to show verification I never missed a monthly payment. I uploaded the acct payment history from Synovus. I never missed a payment on the acct. I was not aware of the acct matured and c/o until the late reported on the bureau. The scores dropped and I could not refinance the ballon equity line of credit. XX/XX/XXXX, XXXX XXXX, Synovus Recovery Specialist ( office ph : XXXX ) reinstated the loan. I agreed to pay {$280.00} per month and signed the note with Synovus. The acct is reinstated and the bureau reported paid as agreed until XX/XX/XXXX. I am requesting the XX/XX/XXXX charge off be removed and the account to show paid as agreed from XX/XX/XXXX until current. The payment history will show the acct C/O XX/XX/XXXX. I have provided supporting documentation to verify my statement. I disputed the information 2 times with the credit agencies. Result reporting the same. 
I uploaded the XX/XX/XXXX Note ; Payment history ; XXXX/XXXX  XX/XX/XXXX credit report/ Synovus XXXX & XXXX monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: MiraMed Revenue Group LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid and settled with MiraMed Revenue group on XX/XX/21. A paid in full letter was request and was stated to be sent however, no letter was ever received. Multiple calls were made and I was told repeatedly a letter was sent every time and would arrive every time in 5 days and it has been a month. They also informed me the credit beauru would be updated and to date the accounts still show as in collections with a balance. I have continued to call and ask for Both a letter and for the account to be updated with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX - A purchase was made to an online seller for custom digital art in the amount of XXXX XX/XX/XXXX - An internal dispute was opened with XXXX for a transaction that has not been filled for an extended amount of time for the amount of XXXX XX/XX/XXXX - XXXX closed the dispute in the seller 's favor without notice of why. 

XX/XX/XXXX - A dispute was opened with Barclays, the institution where the funds originated from. 

XX/XX/XXXX - Barcalys closed the dispute in XXXX 's favor without reasoning why. 

XX/XX/XXXX - Supplemental documentation and evidence to the fraudulent nature of the transaction were sent to Barclays.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Please remove the following Incorrect Addresses, Phone Numbers and Incorrect spelled names from XXXX, XXXX and EXPERIAN credit report. 15 USC 1681s-2-, A person she'll not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Incorrect Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

Incorrect phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX. 

Incorrect Addresses : XXXX ). XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX ). XXXX XXXX XXXX XXXX Ohio XXXX, XXXX ). XXXX XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Michigan XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Michigan 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 2020-11-03
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt Collector Company : Transworld Systems Inc. 
-spoke with : XXXX XXXX -phone : XXXX Medical Provider : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -spoke with : XXXX XXXX : XXXX Insurance : XXXX XXXX XXXX XXXX XX/XX/20 XXXX -Letter received from debt collector for {$120.00} XX/XX/20 : -I paid in full to prevent reporting to credit bureau but found out that provider billed insurance incorrectly. 
-I asked for and received full refund from debt collector while provider reprocesses insurance. 

XX/XX/20 : Provider reprocessed claim and new amount I owed was {$0.00}. They removed my name from debt collector list and notified debt collector via email XX/XX/20 : -Debt collector calls me saying I owe them money for {$120.00} this time for same date of service. 
-I called my insurance who verified that I owe {$0.00} and sent me explanation of benefits -I called provider who verified that I owe {$0.00} and will make sure I am removed from their debt collector list but refuses to call debt collector directly to resolve the issue. 
-I called debt collector who says I still owe them money and even though my account is in dispute status, they may report me to the credit bureau , permanently affecting my credit. They refuse to contact my provider directly to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX  XXXX : XXXX XXXX : XXXX, Trensunion : XXXX   2.XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX  Trensunion : XXXX   3.XXXX XXXX XXXX  : XXXX XXXX : XXXX, Trensunion : XXXX   4. XXXX XXXX XXXX XXXX  Trensunion : XXXX 5. XXXX XXXX XXXX : XXXX, XXXX  : XXXX Trensunion : 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 2020-09-18
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-07-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
COMENITYCAPITALBANK/XXXX  This account is being reports twice ( 2 time ) on my all 3 credit bureaus with a balance of {$7600.00}.

Multiple calls to the creditor to request the remove the duplicate account have been ignored.

Disputes to the credit bureaus have also been ignored.

The correct balance is {$4600.00} and is being reported correctly in the second account.

Company response to consumer: Closed with non-monetary relief