BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I am disputing the following information directly with you, the furnisher of information, and I am AGAIN requesting that you conduct an investigation as outlined in the FCRA Section 623. I am again requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with any corresponding local state laws. 
I recently filed a dispute in with the CFPB on XX/XX/XXXX regarding this matter. I received a response back from XXXX XXXX. Per my request she failed to provide me with a copy of viable evidence, showing that the account is being reported accurately. 
Upon obtaining my credit reports again after her response, I still have several inaccuracies being reported across the three credit bureaus. This is direct violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681S-2 ] XXXX states in her letter to me that the said account was charged off on XX/XX/XXXX. She also confirmed that I settled the account on XX/XX/XXXX but it did not post until XX/XX/XXXX. She did not address the issues that I have mentioned regarding the inaccuracies being reported across all credit bureaus. The investigation I requested per her response was never conducted, another violation. 
XXXX. The following are being reported as follows Date of last activity : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : none reported Late Reporting : Date XXXX XXXX   XXXX XX/XX/XXXX 60days 30days ND XX/XX/XXXX 90days 60 days ND XX/XX/XXXX 90days 60days ND XX/XX/XXXX 90days 60days ND XX/XX/XXXX 120days 90days ND XX/XX/XXXX ND FP ND XX/XX/XXXX ND FP ND XX/XX/XXXX ND FP ND Per Sarahs response if the account was paid in XX/XX/XXXX, how are you reporting FP for XX/XX/XXXX with XXXX? 

Im attaching proof of all my findings by providing copies of my credit reports across the bureaus. If you are not willing to provide me with some sort of proof to validate these reportings, I ask kindly that you delete or suppress this credit reporting due to the direct violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Concentric Receivables Management, Ltd.
State: TX
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:
Over the last 13 months, I have sent three certified letters to CONCENTRIC RECEIVABLES MGMT with a detailed request for debt verification information, proof I agreed to pay the debt, Proof that the debt was transferable, proof that they have the right to collect in Texas, and other information. To date my three, certified, signature required, verified received requests have gone ignored and unanswered. Instead I have disputed this debt several times and they keep putting it on my credit report pushing the date the account was opened sooner and sooner so that the debt looks new causing damage to my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
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: Their investigation did not fix an error on your report

Complaint:
I disputed to Experian that my XXXX XXXX XXXX credit card was paid in full, but closed. I explained that I paid the full amount but the creditor is reporting the account as charged off despite the creditor agreed to not put on my credit report charged off/closed if I paid the full amount which I did. Of course I didn't get in writing because I'm XXXX. There is proof on my report that I owe {$0.00} and that it was paid. So why not remove if being reported inaccurately despite the creditor telling me different? I am in the process of trying to buy my first house and this has hugely impacted my life. Please help me remove this off my report as I paid and did not settle for less and have a {$0.00} balance.

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 2021-08-22
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was charged a late fee for a annual renewal of Comenity XXXX XXXX card- but I called and cancelled the subscription way before hand. They said they will take care of the 2 late fees and they did but my credit score went down over 100 points. How is this even possible?? On the report it stated that my account was delinquent- it wasnt my fault therefore I should not be penalized! My score was over 730 and now its down to XXXX! 
I always pay everything in full and I am Always on time with all my payments! 
Is there anyway to fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account under First Tennessee Bank under a checking bonus promise of {$300.00} for opening an account with a minimum of {$250.00} and direct deposit monthly, which I 've maintained. After a few months of not receiving the bonus, First Tennessee stated that I was not eligible for the checking bonus because the code had expired. I had opened the account on XXXX/XXXX/17. The last day of the promotion was XXXX/XXXX/17. The code I used to open the account was " ONLINE. '' First Tennessee refused to grant the bonus saying the code I used was expired, but they were unable to tell me which code I had used on the application. First Tennessee swindled me into opening an account under the auspices of a bonus, which they then refused to deliver on after all the eligibility requirements were met. I think they did this in order to pad their new account statistics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Harley Davidson Financial Services Inc
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The account with HARLEY DAVID with account XXXX has been reporting derogatory in my credit report however, payment history shows that I paid on time. There is no payment report in my XXXX, I would like to request for complete payment on this. Also, the balance says that I have zero balance. I'm not sure if the XXXX Bureaus have conducted a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XX/XX/2020, someone opened a Checking and a Saving Account in Bank Of America. Using my name, address, and SSN. 
I created a police report, notified the local branch, and called Bank of America. 
They asked for more information and I have provided the information since XX/XX/2020. 
They have not communicated with me since then. 

Please note, I do not have any account associated with Bank of America, no credit cards, no loans, no saving accounts, and no checking accounts. 

I have attached the following : Bank Account Statement Bank Letter indicating the Accounts were closed Fax receipt of additional information they needed Police 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 non-monetary relief
Consumer complaint received 2017-12-31
Company: Phoenix Financial Services LLC
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:
Please be advised I have requested validation { not verification } of a medical debt reported to you by PHOENIX FINANCIAL SERVICES LLC on XX/XX/XXXX. I received a response that clearly violates my rights according to HIPPA on XX/XX/XXXX. 

PHOENIX FINANCIAL SERVICES LLC, or the original creditor XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to the debt collection agency, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. Additionally, this debt was paid by FL XXXX. I have attached my benefits approval letter and XXXX ID card to prove my case was opened in FL. 

I reached out to XXXX, XXXX and XXXX to let them know this debt is in violation of HIPPA but XXXX Or XXXX didnt delete it form my report, while Transunion did delete it..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2021 I notified XXXX XXXX XXXX now XXXX XXXX XXXX that there was an error on my account as I paid XXXX payment of {$450.00} on XXXX and I received notification that I was showing past due.I immediately followed up with XXXX/XXXX  indicating that I have the receipt showing my account was never past due 30 days. It was then confirmed that I was correct and that the problem was resolved. XX/XX/2021, I received an alert on credit report TransUnion, XXXX, and XXXX  that I was reported late. I then contacted XXXX/XXXX  and spoke with XXXX XXXX to enter the dispute and it will be corrected immediately. On XX/XX/XXXX I received an alert that my credit report dropped 21 points due to this error still showing 30 days past due. I have left countless messages for someone to get back to me and today, left another urgent message to contact me and to no avail have I heard back from this creditor. Also, this has been going on since XX/XX/2021 first with XXXX XXXX who was to fix the problem and now XXXX who I have left a message for a call back. To date, I'm still receiving alerts that I'm past due. When they show payment received!

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 2019-08-01
Company: Experian Information Solutions Inc.
State: WA
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:
Remove the following erroneous information on the following accounts : 1. ) XXXX XXXX XXXX XXXX - not 30 days late on XXXX and XX/XX/XXXX 2. ) XXXX  XXXX - not 30, or 60 or even 90 days late on XXXX, XXXX, XXXX consecutively. this is not true 3. ) XXXX XXXX  XXXX - I am not late on the month it shows on the report 4. ) XXXX XXXX - not late 30 days on XX/XX/XXXX, this is incorrect These accounts were not delinquent on the specific months mentioned on my credit report.. Reverse the late payments, fix the accounts they were not delinquent

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 2020-02-13
Company: Prosper Marketplace, Inc.
State: AZ
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:
Received a notification that I had applied for account with XXXX  prosper when I have never applied for this bank or account they need to remove their inquiry from my report 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 2017-07-12
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I want to bring this matter to your attention. I am certain that you must receive thousands of consumer complaints and many of them must be nothing more than angry consumers ranting and raving over nothing. I will attempt to not make this another one of those complaints and do my best to make this complaint effective yet concise. <P/>For 5 months I have been attempting to fight a collection account on my XXXX credit report that I do not owe. I have attempted to fight it with the three national credit bureaus. I have also attempted to fight it with the collection agency reporting the account. They go by the name of Enhanced Recovery Corpopration. Every time I attempted to dispute the account, the account would come back with investigation results of verified. after 2 months of disputes, I decided to call the collection agency myself. I spoke with a XXXX XXXX at ERC on XX/XX/XXXX-17. Because ERC kept verifying the collection account with XXXX, I decided to ask XXXX XXXX for any supporting documentation above and beyond a simple dunning notice that the amount they were purporting was owed was actually owed. I gave specific instructions to provide me with any itemization they had and any documentation with my signature. To this date I have yet to receive any paperwork and it is still on my credit report. <P/>I have n't just stopped being proactive in this matter either. On XX/XX/XXXX, I called because no documentation had been received and the thirty day validation period had expired on XX/XX/XXXX-17. I was told by ERC that they had received the requested paperwork on XX/XX/XXXX and had sent it out. I was supposed to receive it within 7 business days. That means XX/XX/XXXX. Again I did n't receive anything. I decided to be a little patient but my patience ran out on XX/XX/XXXX. I called ERC and was transferred to the office of the President or so they claimed. XXXX XXXX was the name of the representative who I spoke with at the office of the President. I told them that I had been waiting for months for this so called paperwork they had and informed them that if I had not received the documentation I would be filing this complaint. I even gave them my personal fax number and went trough the motions for them to have it sent to me by fax since their mail obviously was either not being sent or somehow not getting to me. XXXX told me that I would receive this purported documentation very soon. Here we are 2 weeks later and again no fax. ERC seems to not have a care in the world when it comes to following rules and regulations. What more can I do to make them follow the law and stop reporting accounts that do not belong to me? I have been at this for 5 months and they STILL ca n't provide me with any paperwork. Please look into this company as I 'm sure this is not an isolated event.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Some months ago, I received an on-line notice from XXXX XXXX Bank XXXX XXXX, Ohio that my XXXX. credit card payment was over due.I have never opened an account with this " bank '' and do not even know if they are a legitimate company.With all of the web security issues of late, I am more than a little reluctant to contact these people directly for fear that I may compromise myself further. 
I am constantly being called at all hours and emailed with threatening notices about this account. As a result, I have become paranoid about answering my phone, have trouble sleeping at night and have devolved into states of XXXX at times. 
All of my banking is done through my local credit union and my credit, except for this issue, is impeccable. My credit card has a zero balance and the interest rate is below 10 % a.p.r.I would never open an account such as the one in question that has an a.p.r.over 30 % and late fees of {$34.00}. 
I am a retired XXXX vet and live on my Social Security alone so my income puts me substantially below the national poverty line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13
Company: Amsher Collection Services, 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:
About two ( 2 ) to three ( 3 ) months ago I received a call on my cell phone from Amsher Collection Services about two ( 2 ) accounts that they were handling for XXXX XXXX XXXX XXXX each one with an identical balance of {$120.00} that totaled {$250.00} ... I explained that this was the first I was hearing about these outstanding bills and that they should of been paid by my insurance company XXXX XXXX XXXX XXXX of Alabama ... I asked that they stop calling my cell phone and send me a detailed statement showing the charges that were submitted and what my insurance company paid ... They advised me that they would submit my request ... I never received any statements detailing the outstanding duplicate charges of {$120.00} each so I just assumed that they received the payments from XXXX  and that everything was taken care of ... Then on XX/XX/2020 I received an update from XXXX XXXX that my Credit Score dropped 50 points caused by two collection accounts from Amsher Collection Services in the amounts of {$120.00} were added to my credit profile ... My FICO score was XXXX and I had impeccable credit profile and to have this happen without warning is unacceptable ... If I owe the money, I'll pay it immediately, but I would need proof that the amounts are actually owed ... I find it highly suspicious that the two accounts would have identical balances of {$120.00}!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XX/XX/XXXX I was involved in an automobile accident. I went to the ER of XXXX Hospital located in XXXX XXXX New Jersey. 

OnXX/XX/XXXX I received a notice by a credit monitoring service I had a delinquent notice of {$75.00} placed on my credit report by a company named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ I called XXXX XXXX and was told the {$75.00} was a portion of a bill my insurance company did not cover from my auto accident on XXXX XX/XX/XXXX. I told the rep I never received a bill from the hospital. It appears the bill went straight to collections. The rep told me they had sent a letter in XXXX of XXXX to a previous address I had on file. I moved from that address XXXX of XXXX and notified the post office of my move. I do believe the post office forwarded my mail another 6-12 months after the move. I never received another bill from XXXX Hospital. I told the person on the phone I would dispute the claim of owing any monies toward the ER visit. 

On XXXX XX/XX/XXXX I called XXXX XXXX to inquire more about what department I needed to contact within the XXXX Hospital to find out why I never received a bill and how the bill went straight to collections. The rep said they could not provide me with their clients information. I needed to locate the information on my own.I contacted XXXX Hospital that has been renamed to XXXX Hospital. Because of the length of time since the hospital visit the hospital would not be able to provide me a description of charges. I was given another phone number for XXXX XXXX. 

I called that phone number and was told since I never received the bill they would remove the debt off of my credit report. The rep on the phone said the debt should have never went on my credit report because I never received the notice for the attempt to collect the debt. 

I find XXXX XXXX debt collections questionable.

1. I never received the debt collection letter but the debt still went on my credit report. By the admission of the rep for XXXX XXXX the debt should not have been put on my credit report due to me never receiving the letter notifying me of the debt. 

2. How can XXXX Hospital send a debt to collections without even notifying me of a debt. Then when I try and get a copy of the debt in question XXXX can not provide me with a breakdown of the debt.

3

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