BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: Dynamic Recovery Solutions, LLC
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:
I sent a letter on XX/XX/2022 requesting documentation that I authorize anyone to share my information with a third party company.. I requested things like my signature saying it was okay for them to share my health information but I didnt receive proof and so these accounts need to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-08-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I tried contacting bluebird they would not help me it won't allow me to register my account saying that its permanently suspended which is XXXX and they saying it's fraudulent which is not true my card was stolen I sent in for replacement abd never received it I created a family account got that. Card but not the other thus is XXXXs as XXXX  unfair I I have had my identity stolen 3 tines prior and now I'm dealing with the 4th dye to XX/XX/XXXXs XXXX   leak I just want to be able to use my account due to not being able to get a real bank account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Mr Cooper about this issue twice already and currently have a third message to the company letting them know that I will also be reporting them. 
I was charged two separate charges from Mr Cooper in XXXX, 2019. The first amount was XXXX and the second amount was XXXX. My monthly payments should have been XXXX. This means that for the month of APR I should have had two additional principle payments. One for XXXX and one for XXXX. Last time I contacted, it looks like the XXXX principle was reversed and the XXXX extra escrow was reversed and then XXXX was applied to principle. There are still two " monthly payments '' that were applied. One for XXXX ( which my my correct monthly payment ) and one for XXXX ( which should be principle payment only ). Having paid and extra XXXX back in APR would mean that my XXXX and XXXX payment disbursements are not tracking correctly and I am paying extra interest every month ( since the principle amount of the loan should be less ). This also makes me uneasy about making extra payments in the future since I am having to fight to get it applied properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
-On XX/XX/XXXX I sent a Certified validation request letter for collection on my account for {$970.00} from Jefferson Capital Services . In my letter I asked for all validating documents I have the right to see and gave 30 days to them. I waited months For a response yet they continued to report on my credit file. Come XX/XX/XXXX I still hadnt heard from the company yet my credit remains so I decide to resend another certified validation letter which was delivered XX/XX/XXXX & still until this day they have not validated this debt and not supplied not one peice of proof showing I owe this debt yet they continue to report on my credit reports. I waited another 30 days for response and nothing still. On XX/XX/XXXX I sent another certified letter requesting/demanding removal of this debt from my reports given they have not supplied bo evidence of this debt being owed in the past 5 months. I also sent my information to the actual bureaus requesting removal. As of today nothing had changed and still no proof of this debt being owed and now Im here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEAPRTMENT TODAYS DATE : XX/XX/XXXX CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX  XXXX  of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: EQUIFAX, INC.
State: OH
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 called  XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017  and spoke with  XXXX   XXXX , the bran ch manager.  She stated that an email from management was sent out to the employees informing everyone that a " false '' inquiry was completed on many member 's accounts via  XXXX  and they were not sure how to correct the problem. Given  XXXX  failure in the past to correct many problems for members and employees, I did not want to take the chance that this would not be corrected. I did not give  XXXX  permission to pull a hard inquiry on my credit as I have not and will not apply for any credit with them now or in the future.   I have attached the letter I have sent to  XXXX  and copied the CFPB and the OCC on this letter as well. I have sent a copy to  XXXX  Board of Directors and the CEO. Please do your best to correct this issue and remove the hard inquiry from my credit report. I thank you sincerely for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I noticed a debt on my credit report being reported by Capital Accounts LLC for a debt of {$600.00} in collections In an attempt to settle this debt I contacted XXXX XXXX, they made me aware that this specific debt has been sold to Capital Accounts LLC. I did not authorize the sell of this account to Capital Accounts LLC.I have not done any business at the address listed with this account nor do I owe Capital Accounts LLC.. I have since mailed via certified mail requesting proof of this debt. As of XX/XX/XXXX, no response has been received from Capital Accounts LLC..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting a collection that was paid in full/ My insurance company notified me that XXXX XXXX XXXX XXXX were paid for my medical visit. Client Account # 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 2021-02-24
Company: AFNI INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: PA
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:
I contacted equfax and attempted to notify them that two accounts on my credit report that I was initially disputing was changed to not disputing and to remove the statements on my credit report as disputing. The 2 accounts are XXXX XXXX and XXXX. I have been unable to contact anyone from Equifax. Whenever I attempt to call they keep telling me im answering the identity questions incorrectly. I just want all statements removed from my credit report stating that I am disputing them claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There is a collection account that's been reported on my most recent credit report that I have recently disputed the validity of. Upon challenging this, XXXX MUST permanently delete the account on the basis that the bureau was unable to effectively confirm all the reported information is accurate. Due to the fact that I challenged this account with the credit bureaus, I noticed that you have now verified this same account. It has been more than 30 days that the bureaus have not RESOLVE or RESPONDED to my letter sent on the XX/XX/XXXX of 2022 I was led to believe that all credit bureaus receive the same information from the creditor under the Fair Credit Reporting Act ( FCRA ) ; if that is the case, I would like the creditors and the credit bureaus to provide copies of all the documentation you used to verify this account. In the event that such documentation is not produced, please DELETE this account from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
This complaint is a follow-up to # XXXX. Amex 's Underwriter demanded earning income from my wife and I, and stated that he would close my account if I did not comply. I clearly stated that my wife and I file incomes together and she is not on my account. I also provided CFPB complaint documentation on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX was investigated by the FBI and found to have forged my signature and documents. These two companies have harmed my credit and I am seeking damages. I have retained the services of an attorney but my credit has been destroyed. XXXX XXXX XXXX filed false credit information which has affected my credit. Amex did submit a letter dated XXXX XXXX, 2017 which I had never seen nor had knowledge of. Based the actions of Amex I was coerced into canceling my Gold Card of 15 years. I had never missed a payment nor had I been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection company has been illegally reporting an incorrect " date opened '' as per the FCRA 623 ( a ) ( 5 ) ( A ). I have disputed this account multiple times electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions 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 have confirmed on XX/XX/2022 with XXXX XXXX XXXX that my account is NOT delinquent and it should not be showing as such on my credit reports and they have confirmed that they have no records showing that my account is delinquent yet it is showing as such on all three credit bureaus. This needs to be corrected.

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 2019-06-16
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 CFSI filed on my credit I owed {$490.00}. I do not. I have never done business with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a Barclay card, but for some reason they had me as i had 2 Barclay cards. When I realized I was paying along ( always on time ), and not knowing there were 2 cards which I did n't apply for, I tried many times to contact them and no one would get back to me nor they were reachable. They went ahead and reported me on the credit bureaus as both being late ( adding astronomical unknown charges ) and now they have ruined my credit ... ..they are not cooperative at all, and I need them to remove such negative items from my credit reports!

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 2017-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection company is illegally reporting the " date opened '' incorrectly, per FCRA 623 ( a ) ( 5 ) ( A ). I have attempted to resolve this error MULTIPLE TIMES with the collection company via electronic dispute to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Genesis FS Card Services, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I opened an account ( credit card ) with CB Indigo on XX/XX/XXXX. My credit report is reflecting late payments for XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I worked for XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX surpassing 9 years and due to the pandemic I was laid off with 26 other peers. I called this company and requested that the late payments please be removed as I was struggling to make payments and take care of my family. Prior to XXXX and following XXXX all payments were made and made on time. The account is current and I am only askiing that they please remove the late payments due to this tremendously negatively hitting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I check my credit very frequently, I noticed the credit reporting agencies and credit acceptance has been violating my consuming rights I check my report and they furnished credit acceptance. This car was repossessed they never told me how much I owe, when it was sold and what the balance was if there was any. I should not have a balance because there was a finance charge that I paid. As pursuant to 15 US code 1605 Determination of finance charge, they already got paid. In addition, I noticed that XXXX XXXX when I checked my report it was reporting that this account with credit acceptance Corp will stay on my record until XX/XX/2022. Then I screen shot a picture from my phone on XX/XX/2022 from the XXXX app. It stated that it shall be on Record until XX/XX/2022. XX/XX/2022 when I went to look if it was still there reporting, the space where they actually inform how long its going to be on record its blank. They are not reporting factual information to my report and they using abusive practice according to 15 usc 1692. The banking system is depending on them for accuracy. This account supposed to have fell off already. I am demanding compensation from XXXX for {$1000.00} for damages and demanding credit acceptance to compensate me for the whole entire loan for the vehicle that's already been paid off. I am looking for them to send me back the price of the whole loan or I will take this to court. According to 15 usc 1692i credit acceptance corp have no legal standing against me the COSNUMER in the courts. I am demanding that this account is REMOVED 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 2017-11-13
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX and XX/XX/XXXX my bank account was hacked into a card was cloned and while in XXXX XXXX money was taken from ATMs across this XXXX XXXX area. US Bank took more than 92 days to investigate the issue in the into room since it is driven my account negative and caused widespread late payments and current bills affecting my credit they then reported me to XXXX even though I was a documented victim of fraud for account abuse. 

That inaccurate and irresponsible reporting of the debt owed to US Bank which was then later decided to be fraud in my favor its kept me from being able to do any normal banking.

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 2017-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a XXXX credit card. They reported back in XX/XX/XXXX a balance of {$500.00}. It is now mid XX/XX/XXXX and they still are not updating the credit bureaus that the balance is XXXX. I spoken to them several times with no help.

Company response to consumer: Closed with explanation