BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: Cedars Business Services, LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/26 XXXX XXXX I called Cedars and spoke to XXXX XXXX We reached an agreement with a settlement offer and she was asked specifically " If paid today how long it would be until it was deleted '' Her response was it would be removed, 30-60 days was her response based on the bureaus timeframe. When asked for a deletion letter she said they do not offer deletion letters but they can send a settled in full letter. Clarification was asked for and that is when it became apparent that they do not actually delete. XXXX claimed she " misunderstood '' what had been asked. 
If she had accepted payment after promising deletion that would have been accepting payment under false pretenses. I am very upset because I almost paid this to her and if I had it would have been based on her saying it would be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently requested a copy of my Experian credit report and found hard inquires that were placed on my report without my consent. I made contact with both the creditors and Experian to have these inquires removed and was unsuccessful

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 2015-06-10
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2015 I submitted a complaint through your office against Enhanced Recovery LLC for a collection of a XXXX account placed in my credit record under the name of XXXX XXXX in an address in North Carolina ( See CFPB Case number XXXX and XXXX ). Enhanced Recovery LLC responded the dispute on XXXX XXXX 2015 alleging:1 ) Investigation of my dispute was been completed2 ) that my social security was associated with the account and that cable services were provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina ( I have never been in North Carolina ) 3 ) that the account with Enhanced Recovery has been closed due to my dispute4 ) that a deletion request to ALL reporting agencies was submitted. 
However, as of today, Enhanced Recovery LLC has not been able to provide me with evidence such as copies of contracts or documents confirming that I contracted with XXXX in North Carolina. Also, I never received any letter stating that an investigation of my dispute was completed. 
In addition, Enhanced Recovery LLC never closed my account. As of today, a collection report remains in my credit record. 
I request Enhanced Recovery LLC to validate this alleged debt by providing evidence, such as contract or any document with my signature proving that I contract services with XXXX in North Carolina. Also I further request this collection company to contact all XXXX credit agencies and inform I am disputing this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-18
Company: SLM CORPORATION
State: MI
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sallie Mae called me XXXX times yesterday. I answered the phone each time and there was no on on the other end of the line. I called the number back and spoke with someone who claimed I owed an amount of {$25.00} and some change. I advised them that they had called me XXXX times in one day and the supervisor advised it was an automated system and shows they only contacted me XXXX times. After I ended the phone call because the supervisor and rep both told me there was nothing they could do about the phone calls until the bill was paid, I paid the bill online. The amount it showed I owed online was greater than what I was told on the phone, but I paid it all anyway. I received XXXX more phone calls after the payment was made last night. Again, no one was on the other end of the line. Today, I received XXXX more phone calls from the same number and no one was on the line. I tried to call them back, but ca n't speak with anyone because their office is closed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing this in response to [ no letter/phone call ] I have not received as allowed under the fair Debt collection practice act ( FDCPA ) I am requesting that [ LVNV FUNDING ]. provide verification of this debt. PLEASE SEND THE FOLLOWING INFORMATION : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid l basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payment made since the last billing statement and the original creditor claims this debt became delinquent. Please also note whether this debt is within the statute of limitations and how that was determined. please only communicate with me in writing please note that withholding any information you received in an attempt to collect a debt complaint is a violation up til {$1000.00} dollars of the FDCPA Because you will be deceiving me after my writing request i request for documents of what you receive from the provider of services in connection with this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I signed up for Experian for a one time credit report. I purposely reviewed the terms to ensure I do not get residual billing. I was satisfied and bought my credit report. Now, since XXXX XXXX, I have been charged for credit monitoring service I never used ( no logins, views ) nor purchased. 

I spoke with Experian on XXXX/XXXX/XXXX at XXXX PT. XXXX answered the phone and he refused to refund my residual billing. I talked to a supervisor, XXXX, and she refused to reverse my resodual billing. I asked XXXX if there is another escalation I could proceed with, she said 'no '. 

The website is grossly deceptive. I previously heard about possible residual billing without permission and I still was charged. 

Please help me get my charges reversed and send corrective action to Experian. They are deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
well now that Im on a computer where I can print my report from, I wanted to be able to view it so that Im able to print it out

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had an Auto Loan with Santander Consumer USA on a brand new off the lot XXXX XXXX XXXX. My car broke down ( timing belt popped ) and I did a voluntary repo. Well they put on my credit as a charge off in XXXX of XXXX well fast forward and it appears that Santander is involved in a lawsuit in several states. Georgia is one of those states and I reside in Georgia, which my vehicle will be apart of at the suit ranges from XXXX XXXX, for giving out extremely high interest rates to buyers that were basically vulnerable. I was a first time buyer never shouldve had an interest rate that high. The lawsuit states that Santander knew that the customers would barely even be able to afford the loan due to the high interest rates. So I want it removed off my credit. Santander never even sent me anymore correspondence about the auto loan or anything. I know they came and got my car but didnt say what to do next. They constantly called and harassed me week after week. I lost my job and it was extremely hard to keep up with the car note. And even looking at the balance it never seemed like it was going down. It was always high giving me the impression that no matter how much I caught up my car note I was never truly going to pay that car off. So this lawsuit will be a much appreciated relief. No one ever wanted to refinance my car loan nothing. I was stuck. This lawsuit proves just how negligent and manipulative Santander really was to its customers and much they preyed on the weak. So I want it off my report final.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: United PanAm Financial Corp.
State: NH
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:
XX/XX/2022 SENT CERTIFIED MAIL TO UNITED UATO CREDIT ( XXXX ) SIGNED FOR BY XXXX XXXX ON XX/XX/2022. REQUESTING DEBT VALIDATION LETTER XX/XX/2022 UNITED AUTO CREDIT RESPONDED TO THE DEBT VALIDATION, PROVIDED INFORMATION THAT DOES NOT MATCH REPORTED INFORMATION ON MY CREDIT REPORT. 

THE DISCREPANCIES INCLUDE, DATES OF CHARGE OFF, CONTINUED REPORTING ON CREDIT REPORT INACCURATED DATES AND AMOUNTS THAT THEY ARE ATTEMPTING TO COLLECT ON. 

ON THE CREIT REPORT THEY ARE REPORTING CLOSED, WITH ANOTHER BALANCE THAT IS NOT SHOWN ON THEIR VALIDATION INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Applied Business Services, Inc.
State: HI
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Hi XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am re submit my complaint with Capital one Bank I have not had a Capital one Bank card. I had request copy of validation debit and the only thing I have receive statement and payment made at gram money for this o account. Until now I have never receive any paperwork or statement from this Company, My personal information has been used without my permission. I had send over multiple police and letter and fill out affidavit. I also send copy from my back account showing when I dispute an unauthorized transaction from this company. I I am sending all my paperwork also to CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: MO
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 not satisfied with the result I got from my Equifax report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for these inquiries to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have these inquiries removed or have anyone from Equifax contact me about the status of my concern. Here are the inquiries that I am trying to dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Called and escalated on XX/XX/XXXX at XXXX and XXXX PST as to why my debit card was closed and a new one was opened without my consent. My existing card ending in XXXX was not scheduled to expire until XX/XX/24. I escalated to management, they could not explain why a new card was issued. No changed to checking account and no changes to card limit ( POS/ATM withdrawal ). This was a fraudulent activity on behalf of chase. A huge inconvenience as they offered no immediate alternative to accessing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit report is a mixed file. It contains the address, name and credit accounts of someone in my family with the same/similar name.

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 not satisfied with the result I got from my TransUnion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for these items to be corrected but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have these items corrected or have anyone from TransUnion contact me about the status of my concern. Here are the items that I am trying to dispute : XXXX XXXX Balance Owed : $ XXXX Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / ( Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX  XXXX Balance Owed : {$2000.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/XXXX ( Late 90 days XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX  XXXX Balance Owed : {$1100.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$7200.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$1200.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$1100.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX  XXXX Balance Owed : {$7500.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$4000.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$4900.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$2100.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$2000.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX  XXXX Balance Owed : {$3700.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - 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 non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: VA
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:
I had my credit information improperly exposed by Equifax. Their negligence led to my information being exposed to hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On my Transunion report, XXXX account and XXXX inquiries were removed and reinserted into my credit file on XX/XX/XXXX. I was not notified of the reinsertion within 5 business days as required. I have spoken with the Transunion special handling department on XX/XX/2017. Id would rather not have to file a lawsuit against the credit bureau to get this 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 explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-10-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I noticed an unauthorized checking account open without my consent ending XXXX, and also noticed unauthorized and incorrect balance of XXXX incurred in the credit account ending XXXX without my consent or acknowledgement. Please provide proof of authorization in the mail no later than 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Freedom Mortgage Company
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:
CARES ACT H.R.748 116th Congress ( Sec. 4021 ) If a furnisher of credit information provides an accommodation to a consumer affected by the COVID-19 outbreak, and the consumer complies with the terms of the accommodation, the creditor generally must report the account as current.

Provided accommodations ( i.e. waived late fees and forbearance ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-05-26
Company: EQUIFAX, INC.
State: MO
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 not satisfied with the result I got from my Equifax report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this item to be corrected but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this item corrected or have anyone from Equifax contact me about the status of my concern. Here is the item that I am trying to dispute : XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2021 ( Late 30 days - XX/XX/2021 ) / ( Late 60 days - XX/XX/2021 )

Company response to consumer: Closed with explanation