BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-20
Company: Professional Collectors Corp.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had medical debt that was sent to collection agency from the hospital. I am a XXXX XXXX  XXXX veteran and these type of emergency bills are covered. The hospital failed to Bill the Department of Veterans affairs. So it went to a collection agency, I called the collection agency and tried to get the records, so I could get them submitted to the VA to get them paid as I had 2 years to do so. They told me to call the hospital which I did, they submitted everything in there system they could find to the VA. They could not find the debts in question. I called the collection agency and again asked for information and billing for the debts. I never got anything from them and was told to recall the hospital. I am unsure who even owns the debt and at this point I cant even verify the debt. I have did my best to resolve this matter and need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear sir/madam, as I was going through my credit report onTransunion few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called XXXX XXXX. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX XXXX OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with XXXX XXXX XXXX XXXX XXXX or any of their affiliates. 
I am requesting that XXXX and XXXX XXXX or any of their affiliates should remove such negative and false statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Pinnacle Credit Services, LLC
State: CA
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 wrote a letter to Pinnacle Credit services , LLC requesting proof that this account belongs to me. To provide me with a copy of any contract sign by me with XXXX XXXX regarding this collection account. They never responded and last week I received a letter dated XXXX/XXXX/2015 from XXXX XXXX informing me that they now represent Pinnacle Credit services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have received regularly letters from LVNV about a debt that I do not recognize and it is hurting my credit report. The letters indicate it is already past the statute of limitations and yet it still shows and hurts my report. They never made me aware of the fact that I could dispute this debt and have it removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had a fraudulent charge on my Capitol One credit card on XX/XX/XXXX from a merchant XXXX charge # XXXX for {$29.00}, I called Capital one and they cancelled my card and issued me a replacement card at which was fraudulently charged again my merchant XXXX charge # XXXX for {$29.00} on XX/XX/XXXX. I called both Capitol One and XXXX to inform of this fraudulent charge and Capitol One cancelled the card and reissued me a new one on  XX/XX/XXXX, at this point I lock the card in the Capitol One app. The Capitol One rep stated that MasterCard was probably releasing my updated card info to XXXX to be charged and stated that I should contact them. I contacted MasterCard and they stated Capitol One would be the entity that needed to handle my compromised info. I contacted XXXX merchant to advise my card was being charged fraudulently by their company by a user at which the XXXX rep stated they shut down the users account and marked it as fraud. On XX/XX/XXXX I receive an email notification that a {$29.00} XXXX charge # XXXX was attempted on my newly issued card Capitol One had issued me on XX/XX/XXXX that I had not yet received by the mail however the charge did not go through because I had locked the card. I called Capitol One and they stated they would complete a form to " block '' charges from the company XXXX from charging my card and it could take 5 business days. They did not cancel my card not that it would do any good since somehow someone is still obtaining my card info to charge. The Capitol one rep stated that the person fraudulently using my card possibly has my routing and account number for my Credit Card so no matter how many times I change my card number they still have access to my account. This is absurd, I have since had another email notification that this person whoever it may be has attempted to charge my card on XX/XX/XXXX in the amount of {$29.00} XXXX Charge # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My CitiBank checking account was recently closed. It was closed right after I received {$23000.00} deposit to my account. I have been waiting on this money all year to take care of bills and stop my XXXX situation. My account was closed and I was told I have to wait 30-60 days for the account closure and a check will be mailed to my home address. Well within that time frame, I wont even have an address to live at. Furthermore after doing research online, this has been done to hundreds of Citibank customers and they all just lose their money and never get it back. Im so stressed out and just dont know what to do and was told that contacting you guys me be my best option. I have no access to my funds and no way to get them out or no guarantee to ever receive them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account has been on my credit for over 10 years now. I have asked the to update the amount because it has been paid down. They keep saying this information is valid and current when it not. Plus this date is pass the status of limitations for reporting.

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 2017-03-26
Company: Progressive Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We had Internet in our old apartment while I was serving in the United States XXXX. 
As we moved because I was a separating the military we ended our account with our XXXX. 
We went to pay our final bill and we were told we do n't owe anything on the account which means we allegedly had a {$0.00} balance. 
Months later I saw that the XXXX had sent us to collections for the amount of {$62.00}. This is incorrect as we were told we owed nothing on the 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 2021-11-26
Company: EQUIFAX, INC.
State: KY
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 was previously a victim of identity theft and had several accounts opened under my name without my knowledge an account by XXXX was among those debts and previously blocked from my credit report now it has been sold to another collection agency and placed back onto my credit file when it is supposed to be blocked I have submitted police reports and identity theft reports and it is still being put back on my credit file XXXX XXXX XXXX /XXXX acct no. XXXX XXXX opened XX/XX/2021 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Log on to web site to pay my home loan amount due was {$1200.00} when I chick to pay XXXX XXXX said I had to pay {$2500.00} and would not accept XXXX payment of {$1200.00} when I tryed calling sls loan sevice XXXX to pay was tranfed to collection dept and I could never get someone only voice machine left over 10 messages when finally got some one 3 days later they assured me all was well and I would not be reported to credit XXXX but I was thanks

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 2017-10-14
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted the exact same dispute to both Experian and XXXX, regarding XXXX XXXX XXXX and XXXX XXXX. 

Both credit reporting agency websites rejected the documents I tried to upload so I mailed them via USPS certified mail on XX/XX/XXXX. I sent the same exact documents to both credit reporting agencies, and copies to XXXX at the same time. ( I had previously complained directly to XXXX ). 

XXXX sent me a notice dated XX/XX/XXXX that they had investigated my dispute and had DELETED both XXXX XXXX XXXX XXXX from my credit report. 

Experian however, notified me on XX/XX/XXXX that they " reviewed the documentation I provided with my dispute, but have determined that we are not able to use it to make the changes or deletions you requested. We are contacting the furnisher of the information or the vendor who collected the information from a public record source. '' I received a notice dated XX/XX/XXXX that Experian " updated '' the information in my report. The cover page of their notice states " OTHER ITEMS DISPUTED ARE NOT CURRENTLY DISPLAYING ON YOUR PERSONAL CREDIT REPORT ''. While I do not see XXXX XXXX displaying on the report, there is no indication in the report that they have actually deleted any information from my credit file. This seems to be a misleading statement intended to lead me to believe the information was deleted when it in fact is just not printed. 

Also, Experian explicitly stated that it " updated '' the XXXX account, but the information is not materially different to what they had before, which is still FALSE information. 

It is my understanding that if one credit reporting agency receives credible information that results in deleting accounts, then that credit reporting agency has procedures in place to notify other credit reporting agencies as well as the furnisher.

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 2016-11-30
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The company who services my mortgage loan has failed to remove PMI, despite the fact that I have achieved 78 % loan to assessed value ratio.

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 2015-04-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I received a bill for XXXX from SLS servicing on XXXX/XXXX/XX/XX/2015, on a Home equity line of credit i had taken out 10 years earlier. It said balloon payment due ( Final notice ), and if i do not pay by 30 days i am subject to foreclosure. This bill was for XXXX, the limit on the HELOC was only XXXX. I paid it off last week, and they deleted the extra amount due to make it the true balance of XXXX. I just do n't want this to happen to anyone else, and if they get an older rich person, they might just have sent them the higher improper amount. Thank you. 

XXXX will attach a copy of the bill if you want or call me with any questions at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Fairway Independent Mortgage Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I submitted a mortgage application with Fairway Independent Mortgage Corp and worked with Loan Originator XXXX XXXX XXXX ( License # XXXX, XXXX # XXXX ). The initial mortgage application was submitted on XXXX XXXX, 2016. I then paid for an appraisal on XXXX XXXX, 2016 in the amount of {$470.00}. During the 2 month process there was a lack of communication from the loan originator and then XX/XX/XXXX I was told that the loan was denied. I then left a voicemail and sent an email to the loan originator requesting a copy of the appraisal or to refund my {$470.00} appraisal fee. The loan originator never returned my call or email. I then received in the mail a Statement of Credit Denial from Fairway Independent Mortgage Corp on XXXX XXXX, XXXX never received a copy of the appraisal and since Fairway Independent Mortgage Corp is n't proceeding with the loan I feel they should be required to either refund the appraisal fee or produce a copy of the appraisal.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I contacted XXXX XXXX to request proof of validation regarding to the account # XXXX. The furnisher was unable to locate anything related to the account due to the fact that it was never late. According to them, XXXX XXXX could not find any validations or information on their files pertaining to this account. I do n't quite understand why the bureaus continue to verify these late payments, when in fact they were never validated by the original creditor. According to section 623 of the FCRA, the CRA 's are required to remove this account from my credit report due to the fact that it 's not accurately reported. In addition, pursuant to regulation Z, TILA, and the Credit Billing Act, set forth CRA is required to cease and decease all negative reporting including the late payments. In accordance with section 611 of the FCRA, all of the parties involved are required to comply accordingly

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 2022-03-27
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This Item has been deleted from the other two credit bureaus such as XXXX and XXXX because this debt is not been validated or verified by XXXX XXXX or by the original creditor XXXX XXXX XXXX XXXX even after I attempted to validate by asking for a statement or original contract bank states account is too old and they don't have that document. And XXXX XXXX keeps adding interest to the original balance that has not been verified.

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 2022-08-29
Company: EQUIFAX, INC.
State: IL
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:
XXXX IS REPORTING FRADULENT ACCOUNT ON MY CREDIT REPORT IT NEEDS TO BE DELETED ASAP CUSTOMER SERVICE IGNORES ME I NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
In the XX/XX/XXXX my husband lost his job and well fell behind in making payments on an installment loan with Springleaf Financial. A judgment was filed for the loan. I was able to get caught up on the loan and paid it off early in the XX/XX/XXXX. I have been requesting since then that the manager and now corporate submit an update to XXXX County to reflect that the judgment has been satisfied for 3 years. To date no action has been taken to correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Nelnet, Inc.
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: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint against Nelnet/Department of Education for their inaction to validate information being reported to the credit bureaus. 

My credit report that I had recently obtained show a series of late payments which were incorrect. 
XX/XX/2020 : via certified letter, I requested a FULL complete 24-month payment history of all accounts associated with my social security number. As within my rights, I requested the full double entry bookkeeping accounting ledger which would prove my payment history. 
XX/XX/2020 : The letter request was received by the Nelnet/U.S. Department of Education in XXXX, NE. 
XX/XX/2020 : A standard form letter was generated from Nelnet with incorrect Account Number which did not address my request at all. 

Simple math tells me that an investigation was not completed as the standard letter that was sent in response was generated within a week. I am at a loss as to how payments can be reported incorrectly to the credit bureaus against me if the data provider does not validate whether my account was actually late. Doesnt the Fair Credit Reporting Act prevent this? I am seeking your  intervention with this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Number : XXXX Original Creditor : CAPITAL ONE BANK ( USA ) N.A. 
Balance : XXXX This will be my second complaint I am submitting against XXXX XXXX XXXX before I seek council for Fraud and Identity Theft. I have tried to resolve this matter with this company to many times and the results they have provided are useless. I have no Knowledge of this account what so ever. This company has my name and social security number on there private accounts for a debt that doesn't belong to me. I have asked for a simple contract and a simple promissory note that has to be attached to there terms and conditions and they have failed to produce either one. This means they are not the HOLDER IN DUE COURSE of this alleged debt according to Subsection 3-302 under the UNIFORM COMMERCIAL CODE. Since XXXX XXXX XXXX won't remove this alleged debt from my credit report and claim I owe them, then I am now seeking ( Recoupment ) under U.C.C. subsection 3-305 Defenses And Claims In Recoupment. Fraud is the factor here and this company is in VIOLATION and all its entities who conspire to help XXXX XXXX XXXX. Please submit the evidence to me that I have provided for you in the resolution section of this complaint.

Company response to consumer: Closed with explanation