BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received continuous harassing phone calls from Portfolio Recovery Associates for 3 months, leading to my filing CFPB complaint # XXXX-XXXX  in XXXX. 
PRA 's response to my filed complaint stated that the delinquent CC account number ended in XXXX, with a balance due of {$3800.00}, and was opened by someone with my name and the last 4 of my SSN. They further indicated that a notification letter was sent to me in XXXX, 2019, which I had never received. 
Being concerned about a potential compromise of my accounts by the XXXX  breach ( or other? ), I put a freeze on all of my credit bureau accounts to prevent anyone from opening any account in my name. I was very disturbed to discover ( in reviewing my credit report ) that the record shows that Portfolio Recovery Associates had been allowed to access my credit reporting account!! This does explain how they came up with the last 4 of my SSN to use in their official response to my earlier CFPB complaint ( NOTE : My credit report clearly shows NO CC ACCOUNT ending in XXXX! ) This is/was clearly an attempt to SCAM me for a balance due on an account that they know I never had! 
My current follow-up complaint is due to Portfolio XXXX  Associates now FALSELY inputting derogatory information into my XXXX credit report. My credit score has been 870+ continuously, until just recently dropping by more than 100 points! I have requested a copy of my XXXX credit report, but this occurred just as I have now received a letter from Portfolio XXXX Associates with their followup documentation justifying (? ) their harassnment. PRA has included a copy of a letter that XXXX XXXX  sent to the CORRECT PERSON (! ) at their CORRECT ADDRESS (! ) regarding THEIR account last XXXX. 
Copies of all will be uploaded with this complaint. Note that the XX/XX/2019 XXXX XXXX letter was sent to a different person with the same name who lives at a different address. I have never lived at any other address in Arkansas than my current address. This is clearly a continuing SCAM attempt to collect money that I DO NOT OWE ( and they know it! ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2022-01-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS Account Resolution has reported a collection account to my consumer credit file. Account Resolution HAS NOT SENT any written notice of collection to me at all. If ARS Account Resolution has the right to collect in accordance with the FDCPA This is a request for FULL validation of this account. This includes ALL CONTRACTUAL DOCUMENTS stating and proving that I am responsible for this account and that I agreed to and authorized the alleged debt in question to become collectable by ARS Account Resolution which has reported to my consumer credit file. ARS Account Resolution has no legal right to attempt to collect this alleged debt. ARS needs to validate the address that they have on file as Account Resolution HAS NOT SENT any written notice of collection to me at all

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 2022-12-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The attached account were created without my knowledge and i would like them to be permanently deleted

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 2022-01-20
Company: CAINE & WEINER COMPANY, INC.
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was terminated from XXXX XXXX XXXX last year ( XXXX ) and entered into a relocation reimbursement contract with them before my termination to open a new store on their behalf. In the contract I signed, it states I would have to pay the amount back for my move back to XXXX if : a ) I terminate my employment with XXXX, or b ) XXXX terminates my employment for " Gross Misconduct ''. 

I have supporting documents attached from XXXX Human Resources department explicitly stating I was not terminated for " Gross Misconduct ''. I also have attached emails from other departments in XXXX ignoring my replies to this complaint. XXXX sent this to a collection agency ( attorney office of Caine and Weiner ) after my dispute with no resolution. When I first received notice from Caie and Weiner, I mailed their office a letter disputing this debt, but am still receiving numerous calls and emails trying to collect from me. This has also severely affected my credit score and I do not have the funds to hire an attorney to resolve this matter. 

The amount attempted to collect : {$7500.00} Collector : Caine and Weiner XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Attn : XXXX XXXX File # XXXX Please find the supporting documents attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried a number of times to get my free annual credit report online from Experian, but every time I try I get the following error message : We're sorry. 
A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 
XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA 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 2023-03-01
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD
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:
I have requested the valid proof of contract as well as other information listed below. The Proof of contract must be original and certified copy of a authenticated original contract with my signature, specifically Prestige Financial as the company entitled to enforce this reporting to my credit. 
Company : Prestige Financial Account Number : XXXX Prestige Financial Services XXXX XXXX XXXX XXXX XXXX, UT XXXX Date Opened : XXXX Date of Last Payment : N/A Date Closed : N/A Date Reported : XXXX I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : XXXX. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file. 
XXXX. Provide a certified copy of all information related to the XXXX XXXX and 3rd party creditors who were given permissions to report on my credit report. 
XXXX. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved immediately for which this is the 3rd attempt for your company to provide all requested information. Your company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capitol One Visa Platinum Account Credit Card ending in XXXX charged me {$10.00} cash advance fees that I never authorized and thebank refuses to send me a copy of cardholders terms and condition or my original signed agreement that show that I agreed to these fees. Capitol One Bank Account Supervisor refuse to escalate the call.Tonight I spoke to XXXX who refused to set up a case for the executive resolution or to escalate the call..He also refused to set up a dispite for the {$10.00} cash advance fees. 
I was charged a {$10.00} fee on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX, XXXX refuses to acknowledge complaint and bring this matter to attention of his management. Also they are charging me 16.55 % which I never agreed to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: DISCOVER BANK
State: GA
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:
DISCOVER FINANCIAL SERVICES has violated me as a consumer. They have abused my rights as a consumer! 
Violation 1 : Reporting an experience!

DISCOVER CAN NOT furnish this information to the CRA 's.

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XX/XX/2016 I STARTED LOOKING INTO MY CREDIT. I WAS LOOKING TO OWN A HOME START A BUSINESS. AND DOING SO, I HAVE BEEN LET DOWN WITH THE SERVICE THAT WAS GIVING AND THE RETURN NOTHING WAS EVER DONE. I HAVE PAID FOR PRODUCTS AND SERVICES I WAS UNHAPPY WITH. I STARTED APPLYING FOR CREDIT KNOWING MY SCORE WAS ABOVE GOOD XXXX. THE LETTERS I GOT STATED MY I WAS NOT GIVING CREDIT. WOW! SOME DID APPLIED FOR A CREDIT CARD AND USED IT TO THE MAX. 
TO THIS DAY, ALL THREE BUREAUS AND ANY OTHER BUREAUS HAVE NOT CORRECTED ANYTHING I HAVE REQUESTED. 

PLEASE NOTE : I HAVE CONTACTED THEM BY PHONE AND ONLY ASKING TO SPEAK TO SUPERVISORS. TO THINK THEY WOULD GET THE JOB DONE ON MY SIMPLE FILE. I GAVE ALL THAT WAS REQUESTED, POLICE REPORT, ETC ... 
I HAVE EVEN MAILING LETTERS. NOTHING! 

IT IS NOW 2 YEARS LATER STILL NOTHING WILL MY CREDIT REPORT EVER BE DEALT WITH IN A TIMELY MATTER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1500.00} ; 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 2022-12-11
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It's the same issue as every other month and all my prior complaints. I call the HAF to find out why my payment is not showing with my mortgage lender yet and the XXXX lets me know that they sent the payment to Flagstar weeks earlier, but Flagstar sits on the payment and does not apply it in a timely fashion, allowing it to be in default. Last month they assessed me a late fee when I was assured that no late fee would ever be incurred while on this program. We are now rapidly approaching the late fee date again this month and I am trying to get ahead of this issue before it occurs again. Another person that I know who is also on the same HAF program and also has Flagstar had their payment applied almost a week ago and mine is still not posted.

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 2019-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 a wrong status on my credit report by saying that I'm 120-149 Days Late on a section of loans with them ( {$49000.00} ). This is false because on XX/XX/2019 I was granted forbearance by XXXX XXXX that covered the time period that they are saying I'm delinquent ( XX/XX/2019-XX/XX/2019 ). On two occasions, two customer service people that helped me with this forbearance process told me that once it's approved, they will contact credit agencies to remove the delinquency reporting. Then after it was approved, customer service people are now telling me they will not remove it. So, on XX/XX/XXXX I filed a dispute with TransUnion and XXXX detailing this issue. XXXX completed their investigation and it seems that XXXX XXXX is still refusing to remove the false delinquency reporting from my credit, as it is still on my credit as of today. This is ruining my financial life, in that my credit dropped exponentially and will now not be able to get a loan for a car that I need to get to work and will cause me issues when trying to get approved for the next apartment I need to rent from. This makes no sense to me, as I even have a credit reference letter generated by XXXX XXXX XXXXhat states I am 0 days delinquent on all loans with them. My account is current with a {$0.00} balance and I have no payment history with them because I've never had to make a payment.

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 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXXXXXX XXXX  Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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
Consumer complaint received 2020-01-06
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2021-04-14
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Their are two incorrect accounts that are reporting on my credit reports, that impacting me poorly. 

XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$880.00}

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 2022-12-11
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: NEW YORK COMMUNITY BANCORP INC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced about 2 years ago ( with Flagstar Bank ) and were making auto payments ( double payments, one for regular payments and second amount to principle only ) thru our bank. We recently moved and had to make address change and also wanted to make only one regular monthly payment. Thats when we found out that the first payment was going to regular mortgage and second was not going to principle only but advance payment for the next month. I was very upset, who makes extra payments, and it doesn't go to principle only. I'm sure we set it up when we set up our autopay, but they claim we didn't go online to set this up. According to them, there is a portion online for this purpose. We are in our late XXXX 's and not very computer literate. They claim since we found out about this only now, they could not do anything about the last 2 years. Hope you can help us...

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