BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-14
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX XXXX I received a notification from XXXX that an account was placed in collections. When I checked my credit report and saw XXXX XXXX XXXX XXXX, I immediately called them to inquire about the debt as I had not received anything in the mail and was not aware of it. When I spoke to their representative I was informed that the vendor was a XXXX XXXX and I tried to explain that I had spoken with XXXX XXXX several months earlier when I closed my account as I was going to move to a new address and no longer needed water delivery service. At that time I made a payment to XXXX but apparently, there was still a small amount due. I do n't remember the exact amount but I want to guess it was under {$80.00}. Again, I never received anything in the mail about this and the first I heard of this was through XXXX once it was already too late. I made a payment by phone to the collections rep and respectfully asked if this could be removed from my credit report as it negatively affected my credit score. The collection rep was very rude during this entire phone call and advised me that he was not sure if he could do that since he did not believe my story. I again expressed to him that this was not intentional on my part. I just checked my credit report again today and realized that this negative mark is still hurting my credit score. I would greatly appreciate it if this can be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions 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:
Experian is in violation of. 15 usc 1681 section 602 A, states i have the right to privacy.604 A section 2 also states a consumer reporting agency ( experian ) can not furnish a consumer/credit report without my written instructions.I gave no such instructions to experian to furnish my information to XXXX XXXX which appears on my credit report.Would like ths account deleted from account which is also in violation of 15 usc 1692 c and b.there was no prior consent to furnish my information to no one!!! also submitted dispute on XXXX XXXX experian website and system is saying already in dispute.not me!!!!!

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 2023-05-17
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Capital One charges a hidden fee for the use of their ATM 's if using a credit card. I was charged {$10.00} on a {$100.00} cash withdraw on XX/XX/19. I was not aware of the fee until after I was charged and it appeared on my statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a previous complaint about Ressurgent Capital Services, complaint # XXXX. 

On XXXX  they responded that they would cease communications with me. On that same day they also sent me letters looking to collect a supposed debt that is not owed to them. So they are obviously telling the CFPB XXXX thing and doing another.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-01-13
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: Personal information incorrect

Complaint:
Was a victim of identity fraud I have multiple addresses aliases and fraudulent information on my three credit bureaus these addresses or validated addresses Thur Accounts open by fraudulent actors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: The CMI Group, 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:
On XX/XX/XXXX I pulled my credit report to go over all of my open and closed account details. I noticed a collection account with a balance {$350.00} being reported as opened on XX/XX/XXXX from an agency called Credit Management LP with the originator account listed as XXXX XXXX. I have never had any account nor signed contract with Credit Management LP, yet they are negatively listing items on my credit report without my knowledge or consent. Therefore, I would like to have this negative item removed from my credit report as it is defamation of character and against the regulations set forth by the FCRA. Unless Credit Management LP is able to produce a signed contract between myself and their company this derogatory account needs to be removed immediately and not allowed to be reinserted onto my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT XXXX REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Social Finance, Inc.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
It will often take 2 weeks or 3 working weeks for them to post my next payment amount ( from the beginning of the month. They will actually take more than a month to post the next payment amount in general. They refuse to process them faster. I believe they are doing this to gain more money in interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working diligently with Select Portfolio Servicing to preserve my home since XX/XX/XXXX. I applied for the request for mortgage assistance ( RMA ) on XX/XX/XXXX. The process was 3  months, and I was denied the RMA. At one point, I waited for over three weeks to get a response from my relationship manager, XXXX XXXX ( **email dated XX/XX/XXXX ). I work closely and regularly with XXXX ( **emails titled My email Correspondence XX/XX/XXXX- XX/XX/XXXX ). The emails will show my due diligence and the lack of communication from SPS, to genuinely assist me in preserving my home. At the same time, I was receiving a barrage of mailings daily from SPS ( **email dated XX/XX/XXXX ). I sent an email to XXXX stating this was redundant, causing confusion, and stress with no response from her. In addition, I sent an email ( **dated XX/XX/XXXX ) asking about these erroneous charges to my mortgage account. I sent an email ( ** dated XX/XX/XXXX ) asking why a {$100.00} pyt. I made in XX/XX/XXXX was not applied to my mortgage and why there was a {$15.00} fee, and XXXX explained the fee is for a drive by. They are aware I am living at the property. I sent email ( **dated XX/XX/XXXX ), because I did not receive a scheduled call from XXXX . I received two mailings ( **XX/XX/XXXX & XX/XX/XXXX ) and a call about an outreach event in XXXX XXXX . I informed the caller, my RMA was denied in XX/XX/XXXX. I received a certified letter from SPS ( **XX/XX/XXXX ). I have returned every message/call I received promptly. I emailed XXXX ( **XX/XX/XXXX ) about harassing phone calls ( XX/XX/XXXX & XX/XX/XXXX ) about my account being in default. I informed the SPS Rep. that I have been in close contact with XXXX. I sent an ( **email on XX/XX/XXXX ), questioning why my {$600.00} pyt. was not applied to my XXXX statement. I received another call ( **XX/XX/XXXX, XXXX XXXX ) after I filed a complaint regarding these calls. I informed the Rep ( XXXX ) I was working with XXXX. The Rep informed me, my acct. was on auto dial And, If I remove my number, there wouldnt be able to contact me. She questioned me about my intentions for the property. In addition, I have received three SPS letters ** ( Add Date ) The {$600.00} and {$300.00} payments were not automatically applied to my XXXX and XXXX payments on my Mortgage Statement ( ** XX/XX/XXXX ), as I was informed by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
As per the Fair Credit Reporting Act, all items older than 7 years and the bell for the seven years to start rings from the date of the first delinquency. 
A recent careful review of my credit report reviewed my credit report revealed this has not been done. There is old item on my report that I demand you remove at once in order to comply with the FCC. 

Bankruptcy : Discharged CHXXXX - XXXX Type : Chapter XXXX Bankruptcy Status : Discharged Date  Filed/Reported : XX/XX/2013 Reference No. : 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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor agreed to delete from credit report once the debt was paid in full. Please remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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: Account status incorrect

Complaint:
account XXXX XXXX XXXX. if my account was chargeoff i should have recivve a 1099 showing the chargeoff and it should not show a open balace on the account 15 us 1681s-2

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 2019-01-13
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I notified XXXX, XXXX XXXX and Experian of a Charge off that has been on my account past the statue of limitations. They have taken no action and the charge is still on my credit report. The charge off in question is from XXXX XXXX XXXX Account # XXXX Amount XXXX with a charge off date of 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 explanation
Consumer complaint received 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Transunion has not updated my XXXX XXXX credit card balance as XXXX for 3 months now

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 2019-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trans Union is reporting a debt that needs to be deleted right away. I did not owe the debt and it is inaccurate. XXXX inaccurately charged me and the matter has been resolved with them. There was nothing owed and this is acct is false!! I requested that Trans Union remove yet they failed to accurately review and resolve the matter. There was a transfer of responsibility from my old act ( old act # XXXX ) to my wife 's ( new act # XXXX ). Nothing should have changed yet XXXX failed to do properly make the changes. They eventually figured this out and gave me a credit to our new acct. While I was disputing this charge with XXXX-XXXX, there should not have been any reporting to the bureaus. I paid the acct while the dispute with them was active in order to ensure that there was no credit report issues. Instead of clearing up this mess, XXXXXXXX made more of a mess. Ultimately they realized their mistake and provided a credit to my new acct for the amount that I paid ( {$130.00} ). They screwed up a simple task of transferring acct ownership from me to my spouse. In short, I never owed them anything and my acct which is now my wife 's acct is paid as agreed with no delinquencies. Trans union need to delete this account Immediately!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2019-06-03
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FCN reported several medical accounts on my credit report for XXXX XXXX Hospital sometime in late XX/XX/XXXX. I called them and advised them it was I had never been to XXXX XXXX Hospital nor did I live in the area that XXXX XXXX Hospital is located in. 

They advised me I need to provide a police report and fraud affidavit, so I filed a report with my local sheriff 's office. This official report was provided to Financial Credit Network in XX/XX/XXXX. It is now XX/XX/XXXX and the accounts still remain on my credit report. 

I called FCN to see why the have not removed this, and they claimed they needed " proof '' I was not in the hospital on those dates. I advised the representative that I have rights under consumer protection laws that are invoked as soon as a proper law enforcement report and fraud affidavit are filed with them. They must remove any fraudulent information from my credit files. Asking me to prove a negative is not a requirement under the law. I am the victim here, and after providing a law enforcement report, under penalty of perjury, they must respect my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent 2 letters to two different addresses found on my credit report only to have them returned to sender.

Then I received a letter by mail from this from this company ( I.Q. Data International ) with 2 more addresses on it demanding that I provide certain information for them to help assist me with investigation of my claim. 

Then I reached out to the XXXX to use their platform to communicate with a representative from this company ( I.Q. Data International ) I reminded them of their legal duties as a company ... .an example of this was 1. FDCPA Section 807 ( 8 ) [ 15 USC 1692e ] 2. FCRA Section 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ] It has been more than 31 calendar days since I've sent my last challenge letter & they have yet respond with a resolution They are using stall tactics as well as illegal tactics to provide me with what they call " PROOF '' not an itemized printout of what they claim is my account or billing statement. 
The FTC has issued an opinion letter on this subject matter and this concludes that those do not represent verification. 

also I asked them for their method of verification FRCA Section 611 ( a ) ( 6 ) and ( 7 ), excluding XXXX because as we all know computers make errors so that would be considered Insufficient.

I have tried everything so I've been maintaining a careful record of my communication with I.Q. Data International/XXXX XXXX XXXX for the purpose of filing a legitimate complaint with you guys ( CFPB ) The date that is is question on my credit reports are XX/XX/17 and they failed to provide a copy of any alleged contract or other instrument bearing my signature. 
Their non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws is disrespectful, embarrassing, and a misuse of authority. 

They should be held liable & fully accountable for their wilful non compliance, I take this matter very seriously & I'm desperately seeking results if you can please step in and lend me a helping hand to best of your ability I would so graciously appreciate it. This is my last goodwill attempt to have them clear up this matter which is inaccurate and represents a serious error in their reporting .... According to the law, the burden of proof is on the credit bureau and/or the furnisher of the information not the consumer!!! Thank u and have a nice day Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Navient Solutions, 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: Their investigation did not fix an error on your report

Complaint:
I am so frustrated with all three credit bureau, I been writing since 7 month ago been asking for them to dispute all this unknown item on my credit report nothing I been ask for prove from all three credit bureau no prove was sent I wrote all the collection company nothing was done I am in need of help

Company response to consumer: Closed with explanation