BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
It was all to easy dealing with other competent lenders, who updated my profile and coded my profile as a cease and desist account ( with the exception of what is required by law to be mailed to the confirmed address on file ). 

However, XXXX XXXX refused and demanded that they would only approved a formal written request. This lender refused to accept a verbal request to have the account coded as cease and desist. If this is not corrected soon, legal action will be reviewed.

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 2020-10-16
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IC Systems claimed to have ownership of a debt collection from XXXX. When I expressed concerns to them about this, they refused to provide proof. I had just paid off my debt to XXXX via XXXX XXXX ( who provided proper verification ) and XXXX themselves confirmed XXXX was the proper collection agency in charge of collecting the debt. When IC Systems was again contacted in regards to validity of account, they implied I was paying money to a fraudulent company ( referencing XXXX ) and needed to still pay them the full amount of {$1800.00}. I have since received a letter of fulfillment from XXXX XXXX and have again confirmed with XXXX that this debt has been settled properly and in full. I would like IC Systems to remove this debt as I have asked multiple times and this is negatively affecting my credit.

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 2023-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Was scammed to letting somebody put almost XXXX on my card

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 2018-05-11
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an outdated lease after I requested validation of a debt. I also received a list of fees that we're out side of the dates of the lease. I believe the lease was altered as well because it stated four months in parentheses as the terms of the lease but it also showed stated the number 12 as in 12 months. An outdated lease can not be used to validate a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
ChexSystems This company denied my opening an account without explanation. I downloaded a copy of my report and there is nothing at all derogatory on the report. It is clean. However, they provide no explanation for the denial whatsoever. All their phone numbers are automated systems with no way to reach an actual person to get this resolved. 

The bank with which I was applying for an account, XXXX XXXX, stated that they can not help and that they do not know why my application was rejected. Online searches indicate that ChexSystems has a history of providing misinformation, and also a history of ignoring disputes, which under the FCRA is illegal.

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 2017-12-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, 2017 I sent XXXX XXXX XXXX a debt validation letter that they have ignored. It is my right per the FDCPA to ask for certain proof of documents and they have not, because they CAN NOT. I then sent them a HIPPA letter, and they have removed one of the three accounts. They are violating my rights under the FDCPA because they are refusing to validate these bills!

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 2019-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent a request for debt validation to Portfolio Recovery Associates. In the debt validation letter I requested they provide me with : 1. The name and address of the alleged creditor 2.  Name and address of the alleged debtor 3. Alleged account number and amount of alleged debt 4. An agreement with the alleged original creditor granting Portfolio Recovery Associates the authority to collect on the alleged debt 5.An agreement that bears my signature stating that I agreed to pay on this alleged debt 6. Date of original charge off or delinquency 7. Verification that the alleged debt was assigned or sold to the collector 8. Complete accounting of the alleged debt 9. Commission for the debt collector if collection efforts were successful. 
In response to my request Portfolio Recovery Associates only sent copies of 2 billing statements dated for XXXX of XXXX, and of XX/XX/XXXX. They have not provided complete accounting on the alleged debt, proof of a contract with my signature agreeing to pay on this debt nor have they provided proof that they are authorized by the original creditor to collect on this alleged debt. They have also not provided evidence of the date of original charge off or delinquency. The 2 billing statements they provided me are dated for XX/XX/XXXX, and XXXX of XXXX, yet they report on my credit reports the alleged account was opened on XX/XX/XXXX. This in and of it self shows that they can not provide complete and accurate accounting of this alleged debt and they are reporting a false account open date and essentially re-aging the alleged debt which in is a violation of the Fair Credit Reporting Act. I am requesting that the Consumer Financial Protection Bureau further investigate this debt collector for possible criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My credit union dispatched a payment for the statement balance in full on XX/XX/2022 for all of my credit cards from the proceeds of a Home Equity loan I obtained with them. This was made directly by the credit union to the payment address listed on the billing statement. All other accounts processed this payment within XXXX business days. 

My Capital One West Elm card failed to ever process the payment, so on XX/XX/XXXX, by which time all other accounts had paid off, I was required to make another payment. On XX/XX/XXXX, they assessed another month of interest to the account in the amount of {$110.00}. 

My credit union advised the check was never processed by Capital One/West Elm and placed a stop payment on the check and deposited the funds to my XXXX XXXX  XXXX savings account so I could pay this account directly to resolve. 

When I contacted Capital One/West Elm to pay off the account and resolve this matter, I requested that they waive the {$110.00} in interest since the only reason this account was not paid off was because of their failure to process or mismanagement of the payoff check sent by my credit union XXXX I have attached a copy of the credit union account where the statement payoff amount for West Elm 's XXXX statement was returned to me via Stop Payment on a check ( {$5000.00} ). 

Capital One/West Elm advised they would not refund the whole amount, but would waive {$50.00} as a one time courtesy. I accepted the {$50.00} waiver and requested if someone else could review to resolve this as it was Capital One 's fault, and they said no. I paid the account in full, but would like my additional {$63.00} in unfairly assessed interest to be returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22
Company: WELLS FARGO & COMPANY
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: Reporting company used your report improperly

Complaint:
Wells Fargo has not sent requested information from multiple demands. 
1 ) Copy of signed consent to furnish my public information to any person/company/CRA etc 2 ) copy of the signed contract of the alleged debt These demands have been ignored on several letters received to them. Currently letter was received XXXX XXXX ( usps tracking # XXXX ). This request is to be completed within 30 days. I do not agree to any more time being used for 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 non-monetary relief
Consumer complaint received 2020-07-08
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX my endinh statement balance was {$13000.00}. On XX/XX/XXXX I deposited a {$50.00} check through their system. It cleared XX/XX/XXXX and only deposited {$5.00} into my account instead of {$50.00}. I am short {$45.00} in my balance. I have attempted to resolve this with the merchant on more than one occasion. I am also still missing {$45.00} from an error they made last year! So they have now stolen {$90.00} total from me. Simple math would have resolved this error durin my 1st phone call, however I am told representatives can not see my statement balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: CL Holdings LLC
State: LA
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:
Jefferson Capital Systems has added a collection account to my credit report without sending a dunning letter. They also did not give me the right to dispute this debt BEFORE placing this account on my report. They are in violation of The Fair Debt Collection Practices Act and this account need to be removed IMMEDIATELY. I will also be filing a complaint with The Federal Trade Commission and the XXXX XXXX XXXX Until I get a letter giving me the right to dispute, you can not report this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I contacted XXXX XXXX and TransUnion online and I also sent out my credit report along with my dispute and supporting documentation via Certified Mail. It is pass 30 days and I still haven't gotten a response. Section 609 of the FCRA states that you must investigate my dispute within 30 calendar days from my initial letter. As they have failed to do so. I sent my first dispute letters via mail XX/XX/XXXX and I sent my follow up letters XX/XX/XXXX via mail. Please help me correct this issue. Thanks

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 2021-10-06
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX reporting my Loan as OPEN with balance of XXXX while I PAID it off back in 2020 and took a NEW finance with XXXX XXXX 
I called XXXX and asked them to fix it they claimed the account is PAID OFF and they REPORTED it to the XXXX XXXX while I still see it as open with XXXX balance. It damages my FICO 2 score for mortgage heavily!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : 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 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 2023-04-05
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I tried to make payments could afford to make payment was never given the option to pay XXXX due to income, had to file bankruptcy and still couldnt get relief, I also went to a school the fell under the AG lawsuit but wasnt given a cancellation was told I need to take this up with the Attorney General for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Ad Astra Recovery Services Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
AD Astra Recovery Services is reporting an account from XXXX XXXX on my credit report. I would like to request a validation of debt on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: SECURITY FINANCE CORP
State: NV
Product: Payday loan
Issue: Can't contact lender

Complaint:
I have informed Canyon Finance to not contact me every single day. I can make the payment on the next payday and they keep calling multiple times a day to inform me that I owe them money even tho I told them to stop calling me. They have even called my step sister XXXX and I asked them to stop and they call me and all my references even tho I am paying them but the payment is late. Most places will work with you. They intimidate me to take out another loan and call me multiple times a day if my payment is late. I informed them to stop and they have threatened me with statements like, " we 'll just see about that. '' That was when I told them I would report them to XXXX if they did n't stop calling me multiple times a day.

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 2018-05-11
Company: National Credit Adjusters, LLC
State: TX
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:
This creditor is reporting negative debt against my credit report and has refused to delete it. This creditor is in violation of several consumer credit rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Westlake Services, LLC
State: VA
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: Investigation took more than 30 days

Complaint:
I paid the settlement offer on this account on XX/XX/2018. They will not close the account or updated the XXXX balance to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Convergent Resources, 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 have asked this company to produce documentation such as a contract between myself & the company stating that I owe them a debt, and to show me what legal right they have to harass me to and calling me all day. They have failed to provide such information after three instances of communication via usps.

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 2022-11-19
Company: Experian Information Solutions Inc.
State: WI
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:
XX/XX/2022 I sent a letter to the credit agency disputing an account on my credit report that was not mine. I never had any account with The XXXX XXXX XXXX. I ask for the credit agency to investigate and remove this account from my credit report. I received a letter dated XX/XX/2022 from The XXXX XXXX XXXX stating that my account was paid in full. I never had an account with this company. The credit agency did not do a throughout investigation The credit agency did not provide the method of verification used to verify this account. The credit agency is also reporting this account was XXXX in bankruptcy which is also inaccurate.

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