BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-28
Company: The CBE Group, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Checked my XXXX XXXX report and I saw a collection on my report ... their was is CBE GROUP ... .so I called and who are u u and why do you have this on my credit report ..i have never heard of u or Nor do I owe u money ... .the lady begin to say that I owe for a light bill fromXX/XX/19 toXX/XX/19 the bill occurred in XXXX Illinois and I told , her I have never been to XXXX nor lived there ... I  asked her to remove this fraugulant info off my credit report ... ..i, reported them to the police Dept ..these people are scammmers trying to get my info ... .they couldnt answer any questions they wanted to tell all the info and I respond if u have put something in my credit report then why would u need me to give up the answer ... .once again plz check into This company a They are fraud ... .my resolution is remove the negative and fraudulent info from my report ... these people, are breaking federal, laws ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: CAC Financial Corp
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:
THIS IS MY 2ND/3RD ATTEMPT - PREVIOUS COMPLAINT # XXXX I don't know what this debt is for -- - TWO DEBTS ARE LISTED ON MY CREDIT REPORT FOR THE FOLLOWING AMOUNTS : 1. ) {$790.00} 2. ) {$180.00} 1. ) XXXX XXXX nor XXXX XXXX XXXX XXXX explain what these debts are for. it is noted is was reported on XX/XX/2016 NOT ENOUGH INFORMATION HAS BEEN REVEALED FOR THIS DEBT. 

I want this debt removed from all 3 credit agencies immediately. 

Thank you, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: ALLY FINANCIAL 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:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving  notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

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 2021-03-01
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I did some work for a company and they wrote me a check, I deposited into my account and after a few day I found out that the check was no good so they closed my account as if I was being fraudulent and I am the one who was scamed. I have all my personal bills coming out that account and my social security deposits every month. I have been with them for about 3 to 4 years and never a problem.

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 2021-03-01
Company: JPMORGAN CHASE & CO.
State: MA
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 feel like I was treated unfairly with regards to my credit. I have worked very hard over the years to build and keep good credit only to have it slashed significantly in one day. I contacted several card companies pleading with them but to no avail. Ive never missed payment with these companies but they chose to decrease my credit limit thus impacting my score significantly. I feel very wrongly and unfairly treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Filed a dispute with XXXX they claimed to have done a investigation and found that company portfolio recovery has complied with all FCRA requirements. 

Asked XXXX and portfolio recovery for method of verification which I have yet to receive. 

Both companies have sent letters stating they will not reply to my request and no longer investigate. 

My rights as a consumer have been dismissed. This is against the law. I have a right to a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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 2017-08-03
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Hello to whom it concern I have asked Barclays to validate this date multiple times. They keep saying this so called debt is verfied but they havent sent me documnetation of this debt and its on credit report. The law states they must provide proof to these debt. They havent provided no documentation at all.

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 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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/2020, Transunion signed for a letter regarding a dispute with XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  The letter was signed by XXXX XXXXXXXX On XX/XX/XXXX Transunion signed for a letter regarding a dispute with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX The letter was signed by XXXX. XXXX XXXX at XXXX XXXX called Transunion to inquire about these. 2 items. I was sent to 3 different agents who informed me they have no record of these letters, and therefore no record of the dispute. They refused to remove the items from the report despite proof. and signatures. 

I provide them both with legitimate Tracking numbers. Yet they say they can not respind for at least another week. This is unacceptable., Regardless of whether Transunion has a record of either of these letters, they are now in breach of the process.. Both of these are over 30 days old, and they have identified that they have no record of receiving these letters. 

According the FCRA - I am requesting that these be removed immediately from my credit report. 

Also the fine for these items not removed is {$1000.00} for each offense FCRA Part ( A ) ( 5 ) ( B ) ( ii )  The Transunion representative said that they are not responsible for removing these items, However,, under FCRA Part ( A ) ( 5 ) ( B ) ( ii ) their process is not my problem, I have the signatures on the letters - they are now in breach of their responsibility for both of these items. 

In addition, their website is not working properly getting nay kind of status results in an error This has been going on for over 2 months and they have not fixed it.. 

The date started the date of signature these are now older than 30 days.These disputes as of today XX/XX/2020 are 40 and 35 days old respectively.

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 2017-08-01
Company: EQUIFAX, 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:
Hello, It appears that the credit bureau is still reporting account listed as XXXX XXXX ( XXXX XXXX ) as open. Account has a XXXX a balance and company agreed and acknowledged errors to report as " paid as agreed '', or to remove all reporting of the item from all consumer credit reporting agencies. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I was contacted by Midland Credit about a XXXX XXXX account that was opened XX/XX/2017 with a balance of {$1500.00} and I had no ideal I had a XXXX XXXX account and now they are suing me for that amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX of 2020, I entered into a deferment with XXXX XXXX for several months due to the covid and losing employment. My deferment was ending in XXXX of 2020. I was turning the vehicle in as early lease termination since the lease would be up in a few months anyway I could no longer pay for it due to the impact of Covid. On XX/XX/XXXX I was admitted to the hospital for emergency XXXX. Which I provided documentation. On XX/XX/XXXX I became extremely ill and was XX/XX/XXXX and XX/XX/XXXX I remained in the hospital until XX/XX/XXXX. I was still XX/XX/XXXX and on and off again XX/XX/XXXX. ( documentation provided XXXX. I called XXXX XXXX immediately and told them I couldn't return my vehicle until I was released from XX/XX/XXXX. I was released on XX/XX/2020. I called XXXX and was told someone would call me back within 10 days. On XX/XX/XXXX I called them since no call was received. They told me to find a local dealer and return the vehicle. I returned the vehicle on XX/XX/XXXX ( documentation provided XXXX. I told them I was concerned about the credit reporting. The supervisor told me she would make a note to the account and I could dispute it. Which I did, two times with XXXXXX/XX/XXXX and two times with all 3 bureaus No one removed the 30 days late. This is unfair and It was a result of a pandemic and being 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 2020-08-26
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I parked in a paid parking on in downtown XXXX on XX/XX/2019. I paid the parking fee and put my receipt on my dashboard. Several weeks later I received a " Notice of Violation '' from the parking lot owner. I mailed them a letter letting them know that I paid the fee at the time of parking, and included the original receipt I received when I paid the parking fee in question. I received no response. Then in XXXX of 2019, I received a collection letter from a law firm claiming to be the debt collector for the parking lot owner and attempting to collect the original parking fee plus a large penalty. I sent a letter on XX/XX/2019 again explaining that the original parking fee was in fact paid. Since I had sent the original parking receipt to the parking lot owner following the first notice, I included with this letter my credit card statement showing again that the original parking fee had in fact been paid. I received no response. This week I received yet another notice from the law firm trying to collect this parking fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Santander Consumer USA Holdings Inc.
State: NJ
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:
Account has been paid of in full years ago. My wife made a complaint against this company regarding inaccurately reporting info on our credit reports. The company was removed from my wife 's credit reports through the credit bureaus but it was removed from my credit report. The account was a joint account with both names, XXXX XXXX and XXXX XXXX. Please remove from account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: EQUIFAX, INC.
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:
Equifax has responded to Complaint # XXXX re XXXX XXXX XXXX, credit card # XXXX, by sending me information to the effect that they will be updating information on account # XXXX, XXXX XXXX XXXX. I have never in my life witness such endemic incompetence in all my life! My complaint has nothing to do with XXXX XXXX. It is all about XXXX XXXX, and their failure to correctly report the status of my credit card account, # XXXX. XXXX XXXX XXXX of XXXX XXXX, advised me that they would be contacting all 3 credit reporting agencies so that this " oversight '', allegedly caused by Hurricane Irma, would be rectified -- they had instructed the agencies to " DELETE '' my account. instead of reporting it " CLOSED '', in good standing. XXXX  XXXX is a XXXX XXXX corporation. I don't understand why they can't get this right! This is very simple. A first-grader could do it. My XXXX XXXX credit card account should now reflect " CLOSED '', with all accompanying 4 year credit history attached to it, not " DELETED '', because XXXX XXXX is XXXX that I transferred their balances to another bank! It's as simple as that!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had a hard inquiry on Transunion that caused a 6 point decrease. Upon checking on it I found that on XX/XX/XXXX XXXX XXXX XXXX attempted to pull my file. I called XXXX @ XXXX and spoke to 3 different class of service providers and none can find my info under my name, ss, or phone number. I have XXXX accounts according to their records. Transunion will not dispute without 3 letters, one of which need to be from XXXX, who can not write me a letter due to they have never seen info on me, or a police report, or FTC. When reaching out to FTC it send me here. So what do I do 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 2021-03-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.

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 2018-03-06
Company: ENCORE CAPITAL GROUP INC.
State: SC
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 checked my credit report and noticed a debt owed to a company that i don't ever recall having a financial agreement with. I mailed the company a letter to verify and validate the debt owed, but my requests were ignored. I disputed the debt with the credit reporting agencies, and it came back as accurate. The following account needs to be removed immediately : Account Name : XXXX XXXX. Account Number : XXXX. Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
Company: Westlake Services, LLC
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 information incorrect

Complaint:
This loan was paid within 2 months and have contacted the lender 6 different times when asking to speak to supervisors they hung up on you and finally last attempt said this have been updated but ofcourse it's not. It should be a XXXX balance and they said its up to you to fix it just report us so that's what I'm doing.

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 2020-12-03
Company: SUNRISE CREDIT SERVICES, INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call on XX/XX/2020 from XXXX XXXX on behalf of Sunrise Credit Services Inc. She was requesting that I pay Sunrise Credit Services Inc {$130.00} attempting to collect a debt on behalf of XXXX XXXX. I currently have services with XXXX XXXX. I'm not even sure of how she got my old address. I corrected her with my mailing address and I also requested Sunrise Credit Services address and she gave me the PO Box . Afterwards I informed her that Sunrise Credit Services does not have my permission to contact me on my private line and I never agreed to do business with them. She informed me that XXXX had forwarded my information to her. I asked her if she understood what I said she said yes then I asked her to have a nice day. 
I called XXXX immediately to understand the confusion and I was informed that there were no issues in my account and they had no idea why a debt collector was calling 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