BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: NRA Group, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've made a payment to XXXX XXXX  on XX/XX/2021 in full to a past due account. It's been stated by numerous representatives at XXXX XXXX that is has been reported to National Recovery Agency 3 times and National recovery Agency is stating there is no record of any payments made and they are still reporting a negative balance on my account.

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 2022-04-02
Company: Financial Management Solutions, LLC
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: Account status incorrect

Complaint:
My XXXX  XXXX XXXX discharged XXXX XXXX XXXX. FMS  was notified by the bankruptcy court, XXXX, and myself of the discharge which includes them as a creditor. Early XXXX XXXX XXXX, I followed up with FMS legal department to inform them that they're illegally reporting a balance currently being owed and was told that they would update my credit report to show as included in bankruptcy. As of today, FMS has not resolved this issue and they're still reporting a balance owed. All of this after being provided a letter that I'm no longer liable for the account. 

I've made contact in XXXX and XX/XX/XXXX via XXXX and via email XX/XX/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 2020-04-25
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:
I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number following # XXXX this is indirect violation of Section 609 of the Fair Credit Reporting Act stating in Advisory Opinion to XXXX  ( XX/XX/XXXX ). " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file ''. Stating that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

Their improper procedures are highly damaging to my credit score. Please immediately delete this item.

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 2017-10-25
Company: Prosper Marketplace, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XXXX XXXX, XXXX I sent Prosper a voided check to change a bank account that was closed to fraud. I had notified Prosper to make the changes and set up the payment for the XXXX. Prosper failed to set the auto payments on and did n't reach out to me via mail. I have not received a letter, but rather a notification from the credit reporting company. They reported my loan late and never bother contacting me until I reviewed my records over the week. I have a lot of bills and to notice that a loan agency failed to make corrections. I called them up today and made the past due payments. They failed to offer a discount on the due amount, even other banks gave late fee waivers due to the natural disaster that affected XXXX County, Florida during the hurricanes. The customer service was untrained at handling the situation, they did n't understand the difference between a manual payment and an auto-payment when I told them I wanted to ensure auto-payment was still on. They assessed a late fee to my account and reported my account to the credit reporting agencies. 



Loan To Collections XXXX XXXX XXXX User Received Message A message was sent to you. Subject : Your Attention Needed : Payment Past Due. View message. XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : Payment past due. View message. XXXX XXXX XXXX User Received Message A message was sent to you. Subject : Payment past due. View message. XXXX XXXXXXXX XXXX Account Set Bank Account As Primary XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : Primary bank account changed. View message. XXXX XXXXXXXX XXXX Account Bank Account Added XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : Bank account added. View message. XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : AutoPay has been turned off. View message. XXXX XXXXXXXX XXXX Loan Ach Payment Settings Edited The ACH payment settings on Loan # XXXX have been edited. New payment setting is : Manual. XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: National Credit Systems,Inc.
State: MS
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 have no clue what this is on my report.

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 2017-10-25
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:
inaccurate information id theft cra and hippa violation not 100 % must remove violation of my consumer protection act

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 2020-04-25
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is XXXX disrespecting me as a XXXX Consumer, for several years these XXXX XXXX   tactics have been implored by XXXX  personnel within Equifax in an effort to suppress and sabotage my XXXX buying Power. On XX/XX/2020, I Sold and Closed on my at XXXX XXXX XXXX, XXXX, GA. XXXX. I had a Equity Loan with XXXX XXXX XXXX XXXX, theyve got their XXXX pennies, ( Money ) and I found out through XXXX XXXX  that theyve ( XXXX XXXX XXXX XXXX ) Reported to Equifax that Ive XXXX  Paid-in-Full this little XXXX Equity loan, but the XXXX XXXX XXXX   at Equifax refused to update this XXXX XXXX ( LOL ) on my Equifax Credit report! Im contacting the CFPB to be that XXXX third-party link when I take these XXXX  XXXX  to Federal court, Ive got the Financial Resources to legally FIGHT back and expose the XXXX against the me and other XXXX Consumers. I walked away with {$100000.00}, theres XXXX Consumer attorneys here in XXXX ready to dance to my music, that XXXX  Dollar, WOW, Nobody is Stopping me! Im in charge Now!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: Synergetic Communication Inc
State: NY
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:
XXXX has refused, since XXXX XXXX, over 40 documented requests to inform me of its loan final payment calculation. XXXX deliberation audio evidence is available for review and verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I added a new account link with Capital One last Friday, XX/XX/XXXX. I was instructed to wait for two small deposits to the new linked account to verify and validate the account. I did that after receiving the two deposits early on Tuesday morning, XX/XX/XXXX. I received confirmation that the account was linked. I then initiated a transfer, and received confirmation XXXX XXXX, XX/XX/XXXX. Soon after there was a message on all my accounts saying that Your funds are currently not available for withdrawal. Please call us at XXXX. I called immediately answered questions and was placed on hold for 34 minutes without anyone checking back with me. Then whomever answered asked me what she could help me with! Then another 36 minutes passed and I told that XXXX XXXX was blocking the transfer. I disagreed and said that was impossible and that no transfer that I have made previously with Capital One was ever completed within minutes. They have always taken days. I still validated with XXXX XXXX and they did not receive any funds transfer and they confirmed that they would never decline one. I set up the XXXX account on Friday, XX/XX/XXXX, and it took until Tuesday, XX/XX/XXXX for the funds to be received at XXXX, so what they are telling me on the phone feels very inaccurate. I was told I was talking to a supervisor, and she said they needed to confirm and validate my account with XXXX. I said ok and requested that she get back to me asap ( they also had asked for my phone number in case we were disconnected ). No one called me back and my accounts are still being blocked for my access. I reached out again yesterday, XX/XX/XXXX. No response. I am now receiving an email that they are stopping my scheduled payments that are do with my providers. I reached out again, and now to you also. I need help! They are impacting my livelihood and my personal credit. If my scheduled payments ( which Capital One provided confirmation that they would be made ) are not paid there are all kinds of repercussions. These are my funds and they have no right to keep me from them. Their non responses and failure to follow through with what they communicate is troublesome to say the least. I don't know what else to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, 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 information incorrect

Complaint:
A place in XXXX Illinois called courtesy loans close their doors one day on a Friday. They were bought out by world finance. Courtesy loans never sent their customers any kind of paperwork who bought the company they didn't send me or anybody else anything and we had no idea who to pay the loans off to couldn't get a hold of anybody cuz the place closed their doors courtesy loans did and all the sudden it pops up on my credit report well I've told XXXX XXXX and Equifax about it I have sent disputes I have done all that and nothing changes but it still has drug my credit score down and I didn't even know who to pay or anything until it was already too late They already had they were already on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Transunion has refused to do a proper investigation into fraudulent inquiries reporting on my credit report and providing proper valid verification for the following fraudulently inquiries : 1. XXXX ( XX/XX/XXXX ) 2.XXXX  XXXX ( XX/XX/XXXX ) 3.XXXX  ( XX/XX/XXXX ) 4.XXXX ( XX/XX/XXXX ) 5.XXXX ( XX/XX/XXXX ) 6.XXXX XXXX XXXX ( XX/XX/XXXX ) Verifying saying this is my debt when its not according to section 606 of the FCRA is a violation of my consumer rights and could result in a serious fine. This must be removed from my credit report immediately. I provided my identity theft report twice without 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 2022-04-02
Company: Experian Information Solutions Inc.
State: NC
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-06-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested the validation of debt with ARS. I recently received a letter back stating that they contacted their client and they verified the debt. And at the middle part of the letter, they listed out the debt, provider, amount of the bill and the date ( which clearly shows that the debt is out of the statute of limitations to collect. 
The does state that they will continue to report as delinquent on my credit report. The funny thing about this debt, Is I don't know any more about this debt and this collection company re-age it, so it looks like a brand new collection on my credit report!

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 2022-04-02
Company: PlusFour, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested validation of this debt in writing 30 days ago and have not received any response. I would like to report them and have this debt removed off of 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 2017-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX, 2017 : I noticed on my account the withdrawal of XXXX. I called immediately and asked why and was promised a call back that was never received. I then called today and after a long wait, I then got through to the Online Banking team and was told my account was under investigation, I asked for a timeline so I can retrieve my funds. I was told I can not have that information. As you can see that is not convenient for me as I use my account for business activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-26
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never signed anything with this Capstone Credit. This has to be a mistake. I do n't know this company nor do I know that amount. If you could help me I would truly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/21 I received a call from Radius Global Solutions saying they were attempting to collect on a debt owed to XXXX in the amount of {$3000.00}. I told the caller that I dont have an active account with XXXX  and havent for years. I told him I would dispute any debt. I have received numerous calls from Radius Global Solutions although they never leave messages. I called XXXX and spoke with their account services and they confirmed that I dont owe them anything and I dont have an active account.

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 2022-04-02
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed a dispute with the credit reporting agency regarding the medical debt placed on my XXXX and XXXX report. The company states they verified information but they could not have since they do not have access to any medical records. I did not give permission and they will be violating my HIPAA rights if they did get access.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N XXXX Balance {$3800.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Ocwen home equity loan. 
1. Error-riddled information. Every bill has different amounts, even phone calls they give different amounts. 
2. Illegally foreclosed on my home, no payments behind at the time. 
3. Failed to credit my payments : They refused to apply payments to my account in the past. Now they are showing my account as past due, even though I 'm on auto pay. Bank records show 12 payments made, they are showing only 11 payments. The also reported me to credit bureau for late payments. 
4. Escrow accounts : Ocwen added escrow account without my knowledge or permission. 
5. Ocwen failed to investigate and respond to my complaints : 6. When my loan was brand new they added a late payment.

Company response to consumer: Closed with explanation