BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: NRA Group, LLC
State: FL
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:
XXXX XXXX sent a collection account to National Recovery Agency on XXXX for the amount of {$66.00}. I was never notified of owing any money to XXXX XXXX, I assume this is XXXX XXXX XXXX. I have other ongoing medical accounts with them that are all in good standing. National Recovery Agency never contacted me regarding the account. They reported it to XXXX on XXXX. When I called National Recovery Agency on XXXX they stated they sent me a letter on XXXX which I have yet to receive. I was never given an opportunity to pay or dispute this bill. I actually have no idea what it is for. My credit score dropped XXXX points on the day before I was going to apply for a new auto loan, this has caused me undue damage and cost me considerably, this is the definition of Unfair Credit Reporting Practices. I paid the {$66.00} and a fee to National Recovery Agency as I need this removed and corrected asap and don't have time to find out what I am being billed for.

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 2017-12-18
Company: SYNCHRONY FINANCIAL
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX did a hard inquiry without my consent. I do n't know who this company is and I have never heard of them. I contacted them and spoke to a foreigner or repeatedly asked for my personal information without finding me in their system. I disconnected the call due to repeated occurrences of asking for my personal information. I have dropped a number on my credit score. I have paid off one bill so far and know it takes awhile to show up. The main issue is this hard inquiry.

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 2018-07-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent XXXX Experian, and XXXX  my FTC ID Theft Report # XXXX & # XXXX on XXXX XXXX 2018. I asked by letter accounts The XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX ( {$460.00} ), and XXXX XXXX XXXX XXXX {$1000.00} be BLOCKED from my credit file under the FCRA section 605B. Talking with a XXXX   rep on XXXX/2018 he informed me that XXXX does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the XXXX  website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B. XXXX, XXXX, and Experian received my ID theft report and police report # on XXXX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.

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 2022-11-17
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX 

this debt is not mine. i spoke to the company and reported it as incorrect, however, they dont pay me any mind Account info Account number XXXX Date opened XX/XX/2017 original amount {$300.00} Balance {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: BMW Financial Services NA, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
BMW finance is on my credit report for a car that was solely in my mothers name. Its affecting my score. I do not owe them any money. What happened is, I had a car financed through them but I wanted a bigger model. My mom and I went in to trade the car, but I was told I couldnt because of my score. So my mom bought the car, in her name only. They took the trade of the car in my name and financed the new Car ... although the car was in my moms name I drove the car and made the payments monthly. Well not quite a year later my mom filed bankruptcy and her car was included. But BMW wan na come after me and I never signed for the car. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: MI
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: Was not notified of investigation status or results

Complaint:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2018-07-25
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : Notice of Intent to Sue / Health Insurance Portability & Accountability Act Violation Validation Letter sent to : Capio Partners To Whom It May Concern, Please be advised that I have requested validation { not verification } of an item ( or of the accounts ) reported to you by the above { XXXX XXXX XXXX XXXX }. I have received a response that clearly violates my rights according to HIPAA. { XXXX XXXX XXXX XXXX } did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ). 

Therefore, by providing you such information they are in serious violation of the HIPAA Privacy Rule. Furthermore, your agency has aided and abetted your customer by your negligence and disregard of your reporting responsibilities as a credit reporting agency, pursuant to FCRA 604 ( g ) ( 1 ) ( C ) and FCRA 605 ( a ) ( 6 ) ). I am proceeding with legal action as prescribed by law against the above named { XXXX XXXX XXXX } and will name you in the lawsuit if you do not immediately delete the listed item ( s ) due to the privacy violations.

You are also required by the FCRA to receive written certification of the information furnished to you prior to you assembling and reporting such information. If you can not provide proof that you received the original or a certified copy of a HIPAA Release Form signed by me, clearly delineating my consent to release my ( PHI ) then you must cease from reporting this unlawful entry.

I will seek every legal remedy available to me and file suit against the credit bureau for the continued aiding and abetting of your customers actions for commercial gain by the continued reporting of my protected information, preceding your receipt of this notice. You are clearly benefiting monetarily by reporting this account on behalf of your customer. I urge you to take this matter seriously, as I have documented my case without error. I encourage a response from you expeditiously in the form of an updated credit report showing that you have ceased and desisted your illegal reporting of the listed accounts, pursuant to the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
i saw inquiries on my credit report that i don't recognize, i sent mail to the three credit bureau on XX/XX/2020, to fix the problem. 
Transunion still didn't answer back to me. 
XXXX  and XXXX  answer back telling that nothing was wrong the inquiries but was able to show me the prove that I initiate the inquiries. 
No documents, no email, nothing!!! 
this situation cause me prejudice, i try to buy a house and all these false inquiries on my credit report make my credit score drop.

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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
ON MY TRANSUNION REPORT IT SAYS I HAVE INQUIRIES THAT I DID NOT INQUIRE ABOUT I HAVE NO IDEA WHY THEY ARE ON MY CREDIT REPORT I BELIVE THIS IS FRAUD I HAVE ATTACHED A LETTER FROM A COMPANY LETTING ME KNOW MY PERSONAL INFORMATION WAS STOLEN FROM THEIR DATA BASE AND THEY OFFERED ME FREE IDENTITY THEFT ASSISTANCE. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXXXXXX XXXX  INQUIRY XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX  INQUIRY XX/XX/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 2018-07-25
Company: SUNTRUST BANKS, 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:
Suntrust mortgage # XXXX shows every month being " OK '' and never delinquent. It subsequently shows that the loan was satisfied in XX/XX/XXXX. Never was a late payment shown. When you move to XXXX, however, it shows a 30 past due balance that is delinquent. There were 2 loans closed on XX/XX/XXXX, and I have the HUD contract to show this. However, the loan in question shows delinquent in XXXX. If that were the case why don't both loans show as delinquent? How is it possible to be delinquent on a closed loan that shows satisfied with never a payment missed. If this document provides me the means I will upload the HUD statement. I have disputed it repeatedly with the credit agencies, and I have only heard back from XXXX so far. They agree that the delinquency should not be on my credit, but they will do nothing to remove it. I need it to be removed from both Suntrust and all three credit reporting agencies : XXXX, XXXX, and XXXX. 

I tried to get this information updated months ago, but instead of fixing the problem Suntrust then hit my wife 's credit report for the exact same thing. They weren't reporting it on her credit before even though we were both on the loan. Now it is hitting both of our credit reports when it should not. I suspect that when we closed the loan on XX/XX/XXXX that the person closed one loan and left the other loan as opened.

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 2020-08-06
Company: Debt Recovery Solutions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a text from XXXX That reads : Alerts-ChaseREF # XXXX Profile-validation is required : https : XXXX? token

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have recently sent 3 certified letters sinceXX/XX/XXXX-XX/XX/XXXX to all 3 credit agencys to delete accounts ( listed below ). They continue to say they verified the accounts, but never told me who they verified the accounts with, no contracts showing the accounts are mine, nor signatures. Also usually is over 30 days for a response, which is against the law of the FCRA. Please delete Accounts listed below Experian- ( 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 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 2022-12-27
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent dispute letters to Experian in XXXX and I did not receive any notice of results or investigation. So I sent another dispute letter in XXXX and after more than 45 days Experian sent me an email stating they will not be taken any action with the letters I sent. So now I am filing a complaint because it has been more than 45 days since I sent the 1st dispute letter with no response. I let Experian know and sent another letter with a message stating that they will not be processing my dispute.

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 2022-01-18
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I paid off a debt I owed XXXX XXXX XXXX years ago for a past due phone bill. Enhanced Recovery has sought to get me to pay this debt on several occasions. They have tried on several occasions to get me to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: AL
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 XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  Account # XXXX, account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX bank Account # XXXXXXXX XXXX Account # XXXX XXXX account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my checking account and my debit card without notifying me. They did not send me any communication prior to closure and closed my account on the basis of my wife 's nationality. I have a shared account with my wife, and according to BOA representative on the phone they closed my account " because they needed some information and documents '' relating to my wife 's nationality and therefore they decided to close her checking account and mine! They did not call me to ask for " information and documents '', did not email me, sent me no letter through mail and just decided to close both my checking account and my wife 's checking account. 

This is targeting individuals based on their nationality and treating them unfairly. This is discrimination based on national origin. We do not deserve to receive a warning letter/email/phone call because we are of XXXX  origin. And now we will not have access to our funds in the checking account for 10 days until they send checks to our address. I asked the representative if we can at least walk in to a BOA branch and receive the checks today in person, and the answer was no, we will have to wait 10 days for the checks to be " approved '' and " processed ''. They want to " approve '' whether they should give me my money or not!

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 2022-12-27
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I pulled my XXXX credit report and found the company Phoenix Financial Services had reported an unauthorized collection to me credit file. 

First I do not know who these people are. Second the information that they listed in their letter I do not recognize. Third, they placed this collection on my credit file on XX/XX/XXXX then followed up with a letter dated XX/XX/XXXX. This is in complete violation of the FDCPA Regulation F. 

This law went into effect XX/XX/XXXX. The letter that I received in the mail has nothing to do with me, the company in itself has knowingly and willfully violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX/DOFED  Company Inquiries : 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 2023-02-09
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX has an account in my name for the amount of {$7300.00} for a car loan. This is complete fraud as I do not have nor ever own in car. I have tried to get this removed but all three credit compaines are confirming this with no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reported a discrepancy in the total amount of loan I had taken and that I had made two payments on the loan that had not been noted. Further I reported that a former address was not a single family home but no changes were made. The property was my former college address.

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 2018-05-25
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently requested a refund of my credit balance and I was told that a check will be mailed to me. I had previously used XXXX 's bill pay services and used linked banks to pay the balance. I received a letter today, XX/XX/2018, saying my credit balance of {$2300.00} was sent to " the financial institution where the most recent payments were withdrawn. '' I call to find out where the money went and I was told most likely XXXX bill pay services since that is where the most recent payments were made. 

I went to check with XXXX. They have never received such refund and I also checked all the linked bank accounts, none has received the refund. 

I request further investigation and documentation on where my refund has been sent and received so I can track it down.

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