BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-10
Company: ACS Education Services
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: Account information incorrect

Complaint:
Per the XXXX XXXX XXXX XXXX, and the reporting responsibilities of data furnishers under the Metro 2 format, it is boldly stated on page 4-7 " Do not report the Social Security Number, in whole or in part, within the Consumer Account Number. '' Conduent ( formally ACS who is still reporting as ACS ) has my partial social security number reporting as my account number and has been doing so since 2006 ( proof attached )! This is a blatant violation of the CIDA, and standards of Metro 2. Furthermore, the account is not reporting the correct type of account, account name of creditor, correct address for disputes to be sent too. This account reporting is not only violating FCRA law but Texas Finance Code section 392, reporting requirements advised under the CIDA, and the CFPB. Either the account is corrected immediately, or it must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 my family of four purchased a XXXX XXXX XXXX using our Capital One Savor Credit Card. We charged an initial payment of {$1000.00} on XX/XX/2019 and two more payments of {$980.00} were charged on XX/XX/2019. The cruise was schedule for XX/XX/2019 and XXXX XXXX informed us that the cruise was canceled due to Covid, We did received a letter from XXXX XXXX giving the option of having the full amount of {$2900.00} refunded or receiving a 125 % percent credit for a future cruise. We elected to have the full amount refunded. We only received a refund of only {$1900.00} and we started a credit dispute. Capital One did a initial credit for the {$1000.00} but re-billed the {$1000.00}. Capital one was really no help after this point and multiple different consumer services representatives acknowledged the missing {$1000.00} after looking at our statements. They stated that they did not know know the amount was re-billed. Two XXXX XXXX  Complaints with Capital One and one with XXXX XXXX were made on our behalf. Capital One dismissed both complaints and refused to help. XXXX XXXX was helpful and stated that when Capital One took the {$1000.00} during the initial dispute that amount was deducted from their account and not returned. They further explained if they refund me another {$1000.00} they would be out {$1000.00} and stated that it was an accounting error on Capital One part. The second XXXX  complaint was made against Capital one after learning this with again no help. 

Capital One to this date has still not made me whole or offered explanation. I did pay the full amount on Capital one Account as I did not want to ruined my credit which could prevent me from buying a house, vehicle..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I moved into XXXX XXXX  on XX/XX/XXXX and put up a security deposit of {$150.00}. When I moved out on XX/XX/XXXX for which my lease was up XX/XX/XXXX I gave them a 60 days written notice. The lady with a XXXX XXXX tattoo told me I could stay until the XXXX of XXXX of XXXX. She told I could pay a prorated rent of {$600.00} and I did. XXXX took the notice, but she moved to corporate which is XXXX XXXX. The address for that apartment was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX and I got my keys off the door the morning of XX/XX/XXXX. I moved into my new apartment on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. When I moved out the lady with the XXXX bird tattoo told me to come back for the security deposit. She was busy the next time. Then after that there were XXXX more new ladys and they told me to call a lady and they were charging me for that whole month and I explained what had happened and they told me they took it off. Well, I called the number and no one answered ever and the voicemail was full, but I left messages. I sent emails to managers whom never got back to me and I talk to XXXX like a couple of months ago and she never got back to me. I called XXXX after they had put it on my credit and the told me they took the first months water bill out of the deposit and keeping the rest for rent from XX/XX/XXXX, XXXX XX/XX/XXXX and I was living in my new apartment then. Before that call they were saying I owed water, electricity, trash, when all that was included in the rent at that time for the prorated rate. If I owed for the first months water then they should have talked to me about and billed me before taking it out of my security deposit. I do not owe for living there after XX/XX/XXXX, that is identity theft and fraud them charging me rent and taking my security deposit like that. The water is not even that much from XX/XX/XXXX to the end of that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
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: Information belongs to someone else

Complaint:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : I have reviewed my credit profile and I believe following account is not reporting accurately. Please investigate and verify the following information. If this account can not be verified please delete the derogatory remarks from my credit report, I do not recognize the account name and account number of the accounts listed below. Please verify the correct name ( including the trade name that the credit account may have been marketed under ) of the original creditor and full account number so I can verify the account against my records. On the account, you are not reporting the correct status of the account. Please verify that the status of each account is reporting the most current and accurate status, keeping in mind that the status of the account may have changed since the first or last time you updated this account.In the event you complete your investigation and you verify that the information you are reporting is accurate, I would like to have my account notated to indicate that I dispute the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I demand the XXXX, XXXX XXXX and XXXX XXXX XXXX be immediately excluded from my consumer report, unless there is proof of signature that I did indeed do business with this company. If there is no such proof, which there is none, then this is consider IDENTITY THEFT and needs to immediately removed no later than 4 days according to 15 USC 1681c-2 Block of Information Resulting From Identity Theft. I will be suing for {$1000.00} per violation per 15 USC 1681n-Civil Liability for Willful Noncompliance . I also demand any alleged transactions/ experiences be excluded on the grounds of 15 USC 1681 a Definitions ; Rules of Construction ( 2 ) Exclusions- Consumer Report- DOES NOT INCLUDE- ( A ) ( i ) Reports containing information solely as to transactions or experiences between the CONSUMER AND THE PERSON MAKING THE REPORT, also 15 USC 1666b Timing of Payments ( a ) time to make payments- a creditor MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE also 15 USC 1682b- Permissible Purpose of Consumer Report 15 USC 1681eb Maximum Accuracy Shall be reported! Even if this account was mine A charged off status and late payments are transactions and experiences which by law should NOT be reporting to the consumer report anyways, I was also part of the XXXX Data Breach which I am taking action, my personal information is compromised 15 USC 6802 No Financial Institute can Disclose your Nonpublic Informtation because my information has been compromised, I demand you take immediate action, I have attached proof of address and DL ( dl address will be changed ) so you TransUnion can stop your stall tactics!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: MI
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:
EQUIFAX is reporting inaccurate information on the consumer report. Ive already tried resolving the problem by communicating by mail. I demand EQUIFAX to delete all unverifiable non validated as well as the inaccurate information showing on the consumer report that I never gave my written permission or consent to. See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on Transunion, XXXX, and XXXX in violation of Federal Law. Transunion, XXXX, and XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10.The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2019-09-29
Company: EQUIFAX, 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 was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded. 


COMPANY INFORMATION XXXX ACCOUNT NUMBER XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I contacted the debtor on XX/XX/XXXX requesting my signature proving that this was my debt and or that I had paid the accounts late. 

The companies are reporting this information to my 3 credit reporting agencies without ending validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. 

This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

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 2022-02-23
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2020-01-15
Company: Adler Wallach & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2016, I did a regular XXXX  check and half  XXXX  XXXX  in XXXX   XXXX  at XXXX XXXX XXXX XXXX XXXX # XXXX. The appointment for the other half was cancelled due to hurricane Matthew, and I didnt do it. I have XXXX XXXX  at that time, which was confirmed by XXXX XXXX  before they conducted the service. I paid eighty something after the first half of the XXXX   XXXX, which was the amount I was told to pay. Later I got another bill for ninety something. Since it is normal for adjustment of a medical bill, I paid that bill too without asking for any detail. I didnt hear from them until TWO YEARS later and received a bill of more than two hundred dollars. When I called them, the accountant  said I needed to pay the bill and if I had problem I should ask my insurance ( the insurance I had two years ago. ) When I told them what I paid and pointed out that I didnt get any bill for the past two years, the answer from the accountant was I wasnt the accountant  two years ago. 
After I refused to pay, the XXXX XXXX sent the bill to AWA collection. After I received the letter from AWA I contacted AWA and requested for all the details and reasons for additional charges after two years. The only thing I received is a list of charge without explanation. But it seemed that the XXXX XXXX did not collect any money from my insurance. I called AWA again and AWA agency said she could not help even she agreed with me. Early this year, the AWA filed a credit report, which affected my credit a lot. In addition, I found that AWA is still collecting the money with increasing interest even though I didnt receive any letter since I called them. 
This really bothers me a lot. What can I do to solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Central Portfolio Control Inc.
State: CO
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Central Portfolio Services.. I called to ask for proof of the debt, and to give them a statement on what exactly happened with the Landlord. The first representative I spoke to at CPC began screaming at me on the phone, saying you owe this .. you owe this. He refused to connect me to another representative. I called back and spoke to someone else, who was obviously sitting next to the gentleman I spoke to the first time. He stated I was trying to intimidate him .. and that it sounds like this is a very expensive mistake you made. Sounds like a life lesson for you. So your 1. ) going to judge my life decisions and refuse to help or take a statement on how the debt is not owed. And 2. ) treat me less than human and yell at me as Im trying to explain my situation to you? 


The information on the debt isnt even the company that owns the apartment complex I was in. I signed a lease with XXXX XXXX, and XXXX XXXX purchased the complex during my stay there ( and you would assume that they would have also purchased the leasing agreements and any outstanding debt ). The second gentleman stated I dont see how it matters that the company name is different.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Lendmark Financial Services
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2022 the consumer completed an online credit application with Lendmark Financial Services and after completing the application the consumer has become a victim of " unauthorized use of credit '' pursuant to 15 U.S.Code 1602 ( p ) and being " discriminated against '' pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Futhermore, Lendmark Financial Services has obtained the consumer 's " consumer report '' under false pretenses pursuant to 15 U.S.Code 1681q because Lendmark Financial Services does not have " permissible purpose '' pursuant to 15 U.S.Code 1681b. Pursuant to the Consumer Credit Protection Act, including but not limited to, Truth In Lending ( 15 U.S.C 1601 et seq ), the Fair Credit Reporting Act ( 15 U.S.Code 1681 et seq. ) and the Equal Credit Opportunity Act ( 15 U.S.Code 1691 eq seq ), Lendmark Financial Services actions are of the following " unauthorized use of credit '', " obtaining information under false pretenses '' and " discrimination '' which is a civil violation ( 15 U.S.Code 1681n, 15 U.S.Code 1681o and U.S.Code 1691e ) and criminal violation ( 15 U.S.Code 1611 and 15 U.S.Code 1681q ) with respect to the consumer.

On the online credit application by Lendmark Financial Services, the consumer provided two ( 2 ) " credit cards '' pursuant to 15 U.S.Code 1602 ( l ) existing for the purpose of obtaining money on credit. The first " credit card '' the consumer provided was the consumer 's social security card, the second " credit card '' the consumer provided was the consumer 's drivers license. Both cards were then " accepted credit cards '' pursuant to 15 U.S.Code 1602 ( m ) and upon completion of the online credit application the consumer received no benefit from this transaction. Lendmark Financial Services sent a letter of " Adverse Action '' to the consumer stating that " In compliance with Regulation B ( Equal Credit Opportunity Act ) ... your recent application for credit has been declined/terminated. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PLEASE HELP!!! 

I have tried numerous times to reach out to both the so-called collection agency Sunrise Credit... as well as, all three credit bureaus ( XXXX, XXXX, and XXXX ) to remove this fraudulent debt from my XXXX credit reports. 

This unknown and erroneous debt has tremendously, unfairly, and wrongfully decreased my overall credit score!!!

I have yet to receive any signed/written proof, verification of what the debt actually is, nor lack there of, however, every time I see this debt reappear, which just arose a few months ago, the amount owed continues to fluctuate... go figure .... 

I simply can not afford for an erroneous debt and credit agency to ruin my credit and my livelihood.

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 2023-04-11
Company: Experian Information Solutions Inc.
State: DE
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 have attached and FTC report with an account and inquiries that are fraudulent and I didn't authorize them

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