BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/XXXX, I submitted a dispute to Trans Union regarding 'hard ' inquiries that showed up on my Trans Union credit report ( " Dispute '' ). Trans Union has spent the last 6 months refusing to investigate the dispute. Despite having a legal duty to investigate the dispute, Trans Union has continued to refuse to investigate my disputes. They have sent me boilerplate letters instructing me that if I want an investigation completed, I need to take my grievance to the companies who pulled the reports. 

On XX/XX/XXXX, following months of stonewalling by Trans Unions, I submitted a complaint to your office. See Complaint No. XXXX. 

On XX/XX/XXXX, Trans Union, for the first time, acknowledged that Trans Union had a duty to investigate my dispute. They also informed this office that " Consumer Relations will enter [ my ] dispute into [ Trans Unions ] system and review all information and any additional documentation you provide to determine next steps ''. 

On XX/XX/XXXX, I received a letter in the mail from Trans Union indicating that they would not continue processing my dispute. They cited identity issues but they have been provided the exact identity documentation that they are requesting I provide. Since I have given Trans Union what documentation they claim to need, I can only construe this as a constructive refusal to investigate my dispute. 

On XX/XX/XXXX, I submitted another complaint regarding Trans Unions refusal to follow though with its promise to this office and investigate my dispute as it agreed to do. See XXXX. 

On XX/XX/XXXX, again refused investigate my dispute. Trans Union again sent me a boilerplate response instructing me that if I want an investigation completed, I need to take my grievance to the companies who pulled the reports. Your office was provided with a copy of their response. XXXX : Id. 

Complaint : I have presented Trans Union with a dispute as to the accuracy of my credit file. Specifically, I disputed unauthorized hard inquiries that appeared on my credit report in XX/XX/XXXX. Trans Union has a duty to investigate the accuracy of these inquiries. Trans Union has agreed that it has a duty to investigate these disputes. See Complaint No. XXXX. Nevertheless, Trans Union wilfully refuses to comply with it obligations in a timely manner as required by the FRCA. 

Remove the disputed inquiries.

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 2021-06-02
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020 I noticed fraudulent transactions on my Way2go child support card. I contacted the company and filed a claim for the accounts listed below. On XX/XX/2020 the company issues me a provisional credit in the amount of XXXX until the investigation was completed. After several deposit from TN Human Services, I noticed Way2go was taking each deposit. I later received a letter in the mail, stating they did not find any fraudulent transactions. I contacted the company again asking for another them to investigate it again, because I knew those transactions were not made my me or with my consent. The representative stated, that it wasn't anything that could be done. 

These are the transactions I disputed XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  - XXXX XX/XX/2020 XXXX XXXX - XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX  - XXXX XX/XX/2020 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$9300.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report.

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very serious that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
these accounts don't belong to me. Please remove them from all 3 credit reporting agencies.

Please see below the list of accounts that are reporting derogatory on all credit reporting agencies : 1. Identity Theft CAPITAL ONE / SAKS F Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX, Your rent payment was accepted by Slate.

Payment Details : Payment ID XXXX  Resident XXXX XXXXXXXX XXXX XXXX Amount {$88.00} Date XX/XX/2020 Payment Status Paid, View Receipt Payment Method Check Note I paid completely directed to the XXXX  XXXX. Genesis manager, Ms. XXXX was so rude since day one. I paid and they continue calling and threatening me. Ms. XXXX, manager of Genesis, sent debt to credit report after I paid. I want Genesis to be investigated for management approach and debt charges that you cant fully understand well from where they charge money from people. I am positive others have had same experience like mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS Account Resolution Services has reported a collection account to my credit file in the amount of {$69.00} to my XXXX credit file. ARS Account Resolution Services has never sent me a notice of collection to notify me of any alleged debt. Therefore, attempting to collect and report this debt to the credit bureaus is a violation of the FDCPA. This debt is not valid thus ARS Account Resolution Services has no legal right to report this to my credit and attempt to collect a debt. I never authorized any debt in the amount that XXXX XXXX is reporting. By reporting a debt to my credit without validation ARS Account Resolution Services is in violation of the FCRA.

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 2018-06-25
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
RE : Barclays Bank of Delaware Acct : XXXX Erroneous Closed Account and Improper Credit Reporting XX/XX/XXXX, Barclays closed my credit card account without any notice and shut down access to my online account preventing me to obtain any statements, etc. 
I had not been using this credit card account as I was traveling out of the country and left this particular card at home ( not to incurr foreign transaction charges and for safety ). All my credit cards are also setup for auto pay. Upon return from my travels, I tried to utilize the card to book travel and was declined which alerted me to an issue. I then found I was not able to log into Barclays website to see what was going on in my account.

Called the company after several transfers was told by the representative who barely spoke English that the account was closed by Barclays due to our " XXXX BK filing ''. I explained that we were forced to go Bankrupt in XX/XX/XXXX and had never missed a payment since and certainly not to Barclays or any other company. Further note no such bankruptcy appeared on my wife 's credit and she has Barclay cards. He refused to talk to me. We lost our significant points with Barclays but more importantly our credit was damaged. 
We ordered our credit and found the XXXX report included this account as having been closed due to a false XX/XX/XXXX Bankruptcy. We sent in correction request to XXXX which has gone without response from Barclays or XXXX. We have been denied other credit cards and this negative has affected my credit score which affects all my credit lines. 
I am now in the process of a home purchase and again found this erroneous entry on my report. I don't know who caused the error Barclays or XXXX sending wrong data to Barclays. Either way neither company corresponded with us before closing the account or since in response to our request for correction.

I had thought the issue being clearly a mistake was working its way thru experians system and would be corrected and honestly forgot about it until I applied for a home loan last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX I applied for a home loan but was denied. The reason for the denial was an open but delinquent XXXX student loan account. I contacted XXXX to find out more about this student loan because I was unaware of it, all my other student loans are in good standing. A litigator at XXXX explained to me that in XX/XX/XXXX the cosigner on this student loan filed for bankruptcy and lumped in this XXXX student loan account. Eventually it was discharged in XX/XX/XXXX and the account remained in limbo for several years. I asked to have the account closed and removed from my credit report because I was unaware of this account and didnt have a chance to avoid delinquency. The litigator explained that, after much back and forth, the only option was to have the interest removed during the time the account was in limbo. I did not agree with this result and still requested to have this student loan account closed and removed my credit report. 
While waiting on a response from XXXX I received a collections letter from XXXX XXXX, dated XX/XX/XXXX, ( letter attached ) this company explained that they were attempting to collect a debt on behalf of XXXX but is willing to accept a settlement of {$19000.00} I responded, in writing, letting them know that I dispute the validity of this claim and would like information from the original creditor. While waiting for a response from that collections company I received another letter. This letter was from XXXX XXXX dated XX/XX/XXXX ( letter attached ) this company also said that they are attempting to collect a debt on behalf of XXXX, however they were willing to accept a settlement in the amount of {$7100.00} I responded in writing letting them know that I dispute the validity of this debt and would like information from the original creditor. As of today, XX/XX/XXXX I have received no response from either XXXX XXXX or XXXX XXXX. 
Two separate companies have attempted to collect a debt on behalf of XXXX. Both are requesting different settlement amounts and neither have provided information from the original creditor to support their claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: Ability Recovery Services, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on Monday XX/XX/2022. I XXXX XXXX contacted them to let them know the account REPORTED is not mine. I ask them why they are still reporting XXXX and XXXX when XXXX deleted and remove my credit report, WHICH I HAVE DOCUMENTS TO APPROVE!. I was giving a sum of {$190.00} of debt owe over the phone. When its reported {$900.00} on credit report via XXXX XXXX XXXX. Under 15 USC 1681 section 602 A, states I have a right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. THERE ARE IN VIOLATION OF COSUMERER LAW AND PUBLIC 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 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are 9 different student loan accounts on my credit report that DO NOT BELONG to me I have tried to dispute these with the bureuas and the furnisher and they are not doing anything about this this is clearly identity theft and I need this taken care of!!! 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account

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 2018-06-25
Company: Specialized Loan Servicing Holdings LLC
State: AP
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I became aware, via a credit check inquiry, that my mortgage was over 180 days past due totaling {$4100.00} XX/XX/XXXX, I was informed by the previous lender, XXXX XXXX, that my mortgage was transferred to a new lender, Specialized Loan Servicing, in XX/XX/XXXX. However I never received notification from the previous or current lender that the mortgage was transferred. I still have not received a bill or statement from the current lender. 

I phoned the current lender and they didn't have my correct email, phone number or mailing address. They told me the previous company gave them my incorrect contact information. 

I owe over {$4000.00} in back payments and my credit score has taken a huge hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
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: Account information incorrect

Complaint:
This credit bureau is inaccurately reporting payments as late for the months of XXXX, XXXX and XXXX when I made the payments on time, which is the last day of the month when my car note is due to XXXX XXXX. The loan is now paid in full but the inaccurate derogatory marks for the month of XXXX isnt correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: BARCLAYS BANK DELAWARE
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: Old information reappears or never goes away

Complaint:
XXXX XXXX putt my account in collection status as of XX/XX/XXXX. I did not open an account with XXXX XXXX and nor do they have my consent to report anything on my credit or any public record. 

I had an account with Barclays, which I had to abandon because I had to leave the country to take care of my sick father. I tried to call from XXXX and make payments but my call was rerouted to different departments, with no one being able to collect my payment which was coming from a different country in a different currency. So the account was charged off. After returning back to USA after two years I was contacted by XXXX stating you can start paying and paying Barclays account, without explaining that Barclay has already reported this account as charged off in XXXX and no matter what i do XXXX can not remove that derogatory remark from my credit. 

When I got accustomed to credit reports and what it means and figured out that I am making payment to a company which is not even affiliated with Barclays, I explained the whole situation again to then and asked them for my original contract with Barclays to see where does it say that they can not accept payment from me unless I am in US. To that they said that they can not provide original contract to me. So I refused to make any further payments, as I never opened an account with XXXX and the Barclays account has already been reported as Charge off, so what am I paying for at this point? Based on this conversation they reported my account as collections. 
How can one account be reported negatively twice on the credit report. I do not acknowledge XXXX as the creditor, as I did not open or sell my account to them. I want the amount ( Approximately {$2000.00} ) I have paid till date back from them, as they cheated me with a false information and promise. Moreover they did more harm to my report by never reporting any payments I made till date, but instead reporting my account which has been previously charged off, in collections. How can a charge off account be in collections?

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