BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-23
Company: Accounts Management, Inc
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I received call from Accounts Management Inc from XXXX XXXX SD. Female stated that I had a bill from XXXX XXXX XXXX in XXXX that was in collections for the amount of {$200.00}. I was a little confused and asked what. they stated that my husband, XXXX XXXX was the patient and they had a judgement for {$200.00}. I advised that XXXX and myself have not been married for well over 13 if not 14 years. I asked for the service dates to which she would not give me. She said that if I wanted my name removed I would have to produce my divorce decree. I advised that I in fact did not need to do that as we have been divorced for far longer than your statue of limitations. I called XXXX XXXX XXXX and after some research was told that my name was not in their system at all. My name or ssn did not appear in there system and was not connected to my ex-husbands accounts. I advised them that they may need to talk to their debt collection company as they decided to attach my name for some reason. They assured me that they did not have my name connected to anything and it should not be that way at Accounts Management Inc. I advised them that the collection agency they are using is using some illegal tactics. I will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: Experian Information Solutions Inc.
State: LA
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:
There are many mistakes appear in my report without my understanding.

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 2020-07-01
Company: Bull City Financial Solutions, Inc
State: NC
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 have contacted XXXX XXXX on multiple occasions regarding an account that was opened in my name in XX/XX/2018 that I personally did not open, nor was I aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I notified XXXX, XXXX and XXXX of several invalid and invalidated debts they are reporting on my credit reports for SCA Collections , Inc. Said items are reporting as medical debts and according to HIPPA Law by way of them having access to and posting my information for others to access, they are violating my medical rights. I never granted them that permission to share my information. I notified the credit bureau 's by law they had 30 days to respond in written form validating the debts including a detailed statement of procedures, the original bill and my signature or the debts had to be removed from my reports immediately. I received responses from each of the credit bureaus within the time allotted, but neither included any debt validation. They simply notified me that they would be contacting the credit agency to investigate the matter and that my dispute was pending.

On today, XX/XX/XXXX, also within the 30 day mark, I received a bill from SCA Collections , Inc. stating I owe {$940.00} for the account # XXXX. Not only did they not validate the debts they are publishing on my credit reports, but according to my report and the balance they are reporting as being owed, the numbers are way off. This strikes me as them being deceptive.

SCA Collections, Inc. publishing fictitious information on my credit reports have had continued adverse affects and are inhibiting my ability to establish credit worthiness.

The following accounts have been left invalidated and by law must be removed : XXXX XXXX XXXX XXXX Your attention to this matter is greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
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: Problem with personal statement of dispute

Complaint:
i've sent a letter to every creditor stating that i need validation of each debt to only be sent a bill. a bill is not validations. the definition of validation in commerce is ''to assess an action '' so I'm requesting validation under 15 usc1692g all i want is something in writing containing the 5 things required under 1692g. also if there were any competent witness i demand the debt collector to produce them. if the debt collector does not provide me with all 5 requirements that i requested under 15 usc 1692g they are in violation and owe me {$1000.00} per individual action pursuant to 15 usc 1692k and i demand removal of all negative account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My credit reports have three Negative connotations. They are defined as : serious delinquency.They happened in 2012, when I was a new immigrant, and I didn't know about the country 's credit system.

The three accounts about because of events in life, I live in the United States at that time, my father is XXXX years old living in XXXX, he suddenly became very ill, I have to leave the United States, to return to XXXX to look after him, I remember I was the second day of the news on the plane left the United States, this led to I didn't arrange the rest of the things. 
Now that I know the existence of these three credit reports, I regret it and start paying them back.

They've been around for six years, and I've learned that I can't buy a car or apply for a credit card for six years, which makes my life very difficult.I can't live in a city without bus or subway, because I can't buy a car. 
My sincere confession, hope to get your understanding, please don't let the three credit report affect my credit, I just want to buy a car loan, because can't buy a car, my life has become very difficult.

I believe that the credit report is more for education and correction, not just for punishment.

I know according to the rules, there may be 1 to 2 years they will eliminate these, but I sincerely hope that you can now in this way, because I got enough lessons, me and my life is going to collapse. 
I am willing to pay all the arrears or fines that I need to repay, just hoping to delete their influence, let me apply for a car loan, and then go to work and life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Equifax To Whom It May Concern : I continue to dispute the validity of this account. I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: Navient Solutions, LLC.
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: Their investigation did not fix an error on your report

Complaint:
The company has placed multiple delinquent notices on my credit causing emotional distress. They also started to garnish my wages and continue to Harass me with phone calls I have documented all phone calls and letters they have sent regarding garnishment and money owed. I have informed the company that if they do not delete the accounts from my credit I will be taking legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/XXXX I was checking my credit and notice that my credit score was dropping, I requested a free copy of my credit report and notice an account from XXXX on XX/XX/XXXX. I have never requested any of XXXX product, that would include banking services, loans or credit cards. To my surprised there is an account on my credit report in the amount of {$49000.00} with a balance of {$20000.00} opened XX/XX/XXXX. My birthday is XX/XX/XXXX, at the time that this account with XXXX was establish I was XXXX years old that would mean I was in the XXXX grade. I placed a call to XXXX on XX/XX/XXXX and spoke to a customer service rep, not only was she not helpful, but instead of understanding that I am a victim she treated me like a criminal. She informed me that I need to contact their fraud department which a did immediately after. The fraud department asked me for my SS which I provided, per the person in their fraud department they could not find anything under my SS number as an open account. Mean while this open account has affected my credit score, because my depth to income ratio is high. This account needs to be removed immediately and my credit score adjusted to excellent standing. Before 30 days

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 2019-05-28
Company: Experian Information Solutions 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 was recently went to test drive a new car at XXXX XXXX. After a week of careful consideration I decided to apply for a loan for this car. Moments later I was approved for an extremely high interest rate and thats was unusual. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I'm working on this on my own behalf and I need this taking care of as soon as possible. I've reported to the FTC and the police. I'm doing this on my own behalf. 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 explanation
Consumer complaint received 2019-09-05
Company: Nelnet, Inc.
State: IL
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:
XXXX XXXX University extended my pervious student loan without my permission/approval. I am no longer a student at XXXX XXXX University. I attended XXXX University, however XXXX University can not obtain my student loan funding, due to the fraudulent actions of XXXX XXXX university. Nelnet is my student loan facilitator. I contacted Nelnet, however they would not rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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 status incorrect

Complaint:
XXXX XXXX is reporting this account as charged off in a chapter XXXX bankruptcy and the account as closed. This account was never included in my chapter XXXX and was paid on time on the outside of chapter XXXX. The account is open and being paid in a timely manner as agreed.

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 2018-02-22
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX is reporting this account as charged off in a chapter XXXX bankruptcy and the account as closed. This account was never included in my chapter XXXX and was paid on time on the outside of chapter XXXX. The account is open and being paid in a timely manner as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
Initial call into XXXX XXXX XXXX in XX/XX/XXXX. Discussed I was on a consolidation plan to repay the credit card balance owed. I inquired about any late payments on my credit will being removed since I was a part of the consolidation program and making timely monthly payments. The associate at Capital One said yes, my late payments for 4 months will not show as late on my credit and will be shown as current and paid on time after I have paid for 4 consecutive months. She said they needed 4 months of consistent payments before they updated my credit report. I called again in XXXX and spoke with a representative/ manager on XX/XX/XXXX, she indicated they would listen to the recording and get back to me with the results of the call. As of today XX/XX/XXXX, I have not received a response or update to the matter. It was my understanding that the late payments for XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX would not show as late or have a negative impact on my credit but paid on time and current since they were in fact receiving timely payments. The Manager on XX/XX/XXXX said they received timely payments and she would listen to the recording and get back to me. Currently I have 4 late payments with Capital One even though they have received each payment timely each of those months. I would appreciate them correcting this on my credit report to remove the late payments and correct as paid and timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
In XX/XX/XXXX, I noticed 10 cash advance charges on my Capital One Mastercard ending in XXXX from a merchant, XXXX/XXXX between XX/XX/XXXX-XX/XX/XXXX. I immediately contacted Capital One to report fraudulent activity. My card was deactivated, and a new card, ending in XXXX was issued. and immediately destroyed upon receipt. It took numerous phone calls, and finally at the end of XX/XX/XXXX, I spoke with someone who followed through, and credited my account for charges, interest, and associated fees. When I received my bill for XX/XX/XXXX-XX/XX/XXXX, there were 5 additional charges, again from XXXX/XXXX. Again, I contacted Capital One to report fraud, the card ending in I declined receiving an additional card due to the problems associated with the fraudulent charges as well as the shady customer service I had received. The charges were credited back to me. On XX/XX/XXXX I received notification that the last 5 charges were charged back to my account. After speaking with the individual managing my account, I received no further response to numerous messages left on her voicemail. On XX/XX/XXXX, I again contacted Capital One, spoke to a representative who assured me I would hear back within 72 hours and receive correspondence confirming my complaint. As of XX/XX/XXXX, I have nothing. On XX/XX/XXXX, I again called the fraud department, and apparently everyone is now a manager, to no resolve. My bill still reflects the 5 transactions, cash advance fees, and interest charges. Capital One has a policy for fraudulent activity that they do not live up to. How could have charges been made when the card had been destroyed? Why would they not credit charges made at the same merchant the initial 10 charges had been made? I would like this resolved, and the have all of the charges, fees, and interest credited to this account so I can officially have nothing further to do with Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-24
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was receiving calls from other company about PMI on my mortgage I contact Chase about this. I was informed that it was on my loan but I was told it would come off in XX/XX/2018. I was later told that it was not on the notes however, calls are documented I asked the representative to review the notes and I requested to be transferred to a supervisor. I continue to get bad information from Chase they called me back and they gave me bad information. They have made several mistakes on my loan and forgot to include a second mortgage which you can inquire about and after this interaction, I requested no calls from them. They continued anyway. I called in XXXX to remind them on no calls when I made my payment. Now it is XXXX and I do not have access which I wanted to know why and they have sold only my active first mortgage to another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: ONLINE Information Services, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
ON XX/XX/XXXX I SPOKE TO XXXX EXT XXXX IN REGARDS TO TWO BALANCES SHOWING NEGATIVE ON MYAH CREDIT REPORT THAT I WANTED TO PAY FROM XXXX XXXX XXXX. THEY HAD HAD ISSUES WITH THE BILLING SERVICE THEY WERE USING AND FIRED THEM AND TOOK ON ANOTHER. I LET XXXX KNOW THAT I WAS PAYING THIS AND ASKED IF BY PAYING TODAY WOULD THEY REMOVE IT FROM MY CREDIT REPORT AND SHOW AS PAID IN FULL. SHE TOLD ME YES IF I PAID TODAY AND THAT IN 30-45 DAYS IT WOULD BE REMOVED. SO I PAID BOTH AMOUNTS # XXXX FOR {$460.00} AND # XXXX FOR {$370.00} AFTER SHE ASSURED IN 30 -45 DAYS WOULD BE REMOVED. I CALLED BACK ON XX/XX/17 TO FOLLOW UP AFTER HAVING MY REPORT PULLED ASND FOUND IT WAS STILL ON THERE. SHE SAID I NEED TO CALL THE CREDIT BOUROUGH TO HAVE IT TAKEN OFF AND THEY DO NOT DO THAT, I ASKED TO SPEAK TO THE MANAGER AND THEN THE ASSISTANT MANAGER ( XXXX - XXXX ) GOT ON THE PHONE AND PROCEEDED TO TELL ME THEY DO NOT TAKE ANYTHING OFF AND NEVER HAVE IF PAID OR NOT. THIS IS NOT WHAT WAS ORIGINALLY TOLD TO ME AND I FEEL LIKE THEY SAID WHATEVER TO GET THE MONEY AND PAYMENT. IT IS STILL ON MY REPORT AND AFFECTING MY SCORE GREATLY BECAUSE OF IT. WITH THE ISSUES WITH THE BILLING COMPANY AT MY DOCTORS AND THEN THE BIGGEST ISSUE OF BEING LIED TO TO GET TWO PAYMENTS AND THEN CHANGE THAT IT WILL NOT COME OFF ANF NOW IT IS MY RESPONSIBILITY TO REACH OUT TO THE CREDIT BOUROUGH IS DISTURBING. ALL I AM ASKING IS THAT THE PAID DEBT IS REMOVED. IT IS THE ONLY THING ON MY CREDIT REPORT. I FILED AS COMPLAINT RIGHT AFTER WITH THE XXXX AND NEVER HEARD A WORD BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent a dispute letter to TransUnion for hard inquiries on my credit report that I do not recognize nor did I give these companies permission to pull my credit. Its been over 45 days and still no response

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 2018-11-24
Company: LEXISNEXIS
State: IL
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:
LexisNexis claims to be unable to process my request due to inability to authenticate me based on the information I provided. I used a letter on XX/XX/2018, used by many others to which LexisNexis has responded to by starting investigations. The public records are the identifiers of note. LexisNexis has violated the FCRA 30-day provision. If LexisNexis can not validate me it seems the public records can not be validated either. Asking for additional information is a well-documented delay tactic of LexisNexis. The bankruptcy and my demographic info is what is needed as per other complaints to your company. The FCRA clearly outlines the information I am required to provide. I provided the information with my dispute on XX/XX/2018, XX/XX/2018, and XX/XX/2018. The public records are below : US BKPT CT IN XXXX XXXX US BKPT CT IN XXXX XXXX US BKPT CT IN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a police report of a burglary which resulted in my identity theft back in XXXX. The company still have not deleted the wrongfully-reported debt of {$2400.00} in 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