BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-24
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Jefferson Capital Systems , LLC knowingly violated the FCRA by placing XXXX collection accounts withXXXX and XXXX credit bureaus. Jefferson Capital Systems, did this without proper notification 30 days prior to reporting the XXXX accounts to the credit reporting bureaus. I never received notice such action was being implemented.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion is saying employer reported on XXXX XXXX. I havent worked since 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 2021-07-06
Company: EQUIFAX, INC.
State: CO
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:
My vehicle was falsely repossessed by my apartment complex, I was out of town on business and came back to it gone. The apartment will not reimbursement the fees I had to pay and the lender, XXXX, has listed it as a repossession due to non-payment. My car has been paid continuously and ON TIME. They refuse to remove the information! The information reporting for this auto loan is completely false. Payments were made on the account as scheduled. My apartment complex wrongfully had my car towed when I went out of town for three ( 3 ) days because they said it had not moved from where it had been parked. The apartment complex claims that they did not have it towed but a towing company isn't going to just randomly drive into a complex and tow a car away. I have proof that my payments were being made and that they were on time, this was not a situation where the lender repossessed my car for non-payment. I am enclosing documentation to confirm that the information that I am stating in this correspondence to you is true. Please remove the notation that this was a repo on my credit report because it was not. My payments were never late and this situation had nothing to do with my loan but an issue with my apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Date : XX/XX/2021 Amount {$740.00} Agency : Southwest Credit System. I was a victim of identity theft the collection company knows and has a copy of by police report and is continuing to report the fraud collection on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent both Transunion & XXXX  dispute challenge letters back in XX/XX/2020. Challenging the following account : XXXX  XXXX XXXX : This account still remains on my consumer credit report even though I have clearly identified multiple inaccuracies and violations to both Transunion and XXXX  of which is my right under the fair credit reporting act. 

As of today XX/XX/2020 XXXX  XXXX XXXX still remains on my credit report unchanged. 

: Still reporting inaccurate last date of activity a violation. 

: Reports account as update in XX/XX/2020 but still reports multiple inaccuracies a violation of FCRA rules. 

: Reports inaccurate balance or credit limit a violation. 

: Reporting continuous negative remarks after Account has been closed or charged-off. A violation.

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 2016-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This was a tax lien that was filed for property taxes. I sold the home on XXXX and I paid the prorated taxes in the closing. Called XXXX XXXX XXXX XXXX XXXX XXXX and since I was the owner for XXXX 2015 the Tax Lien was filed against me. The property taxes was the responsibility of the NEW OWNER. I called the new owner and was told that HE was late paying property taxes. The TAX LIEN was not my responsibility. I have the DEED showing that the property was no longer my responsibility.

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 2021-07-06
Company: EQUIFAX, INC.
State: LA
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:
This is my 3rd time submitted my dispute complaint and no one is doing anything nor am I getting any responses back from any of the credit bureaus. 


XXXX  UNVERIFIED ACCOUNT XXXX XXXX  XXXXUNVERIFIED ACCOUNT XXXXUNVERFIED ACCOUNT XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXXXXXXUNVERIFIED ACCOUNT XXXX XXXX  -UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT Public Records-Bankruptcy-XXXX NOT MY BANKRUPTCY I want these items deleted immediately. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XX/XX/2021 EXPERIAN WAS NOTIFIED OF DISPUTED XXXX XXXX XXXX # XXXX account. Failed to acknowledge notice within 5 days and failed to report as disputed and also failed to remove for obvious inaccuracy ( high balance reported as lower that the balance ) XX/XX/2021 -- -XX/XX/XXXX and beyond : EXPERIAN continued to report inaccurate information after being notified that XXXX XXXX XXXX , XXXX XXXX reports that an account shown as a charge-off/collection has a HIGH BALANCE that is LOWER than the BALANCE, which is impossible. 

Also, although Experian was notified of this dispute, it has failed for nearly seven months to report it as disputed. 

EXPERIAN has repeatedly violated the FCRA regarding the XXXX XXXX XXXX # XXXX entries since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Fast Track Servicing
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was contacted by Fast Track Servicing XX/XX/XXXX and they said they could help me enroll in a Public Service Repayment plan. They promised to reduce my payments to $ XXXXmonth and that I would have 120 payments and my complete student loan would be paid off. From XX/XX/XXXX to XX/XX/XXXX they withdrew payments from my account totaling over {$1000.00}. They must have had some tether with my actual Federal Loan -- because I apparently did not miss a payment ( or their application put me in forbearance? ), but I'm not getting letters from XXXX XXXX that I'm finally enrolled in the PS repayment plan -- and that none of these payments made ( to Fast Track ) went towards my principal. They have no record. So, embarrassingly I was duped -- and have spent over a year paying towards my loan ( but not actually paying anything down and not in the program yet ). The numbers they have provided are no longer working and no one is available when I email. 

Fast Track Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX http : //fasttrackservicing.com ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-02-16
Company: AFNI INC.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX has sold this debt once again this time to AFNI. The debt is not mine and I have a police report on file during the period in which this fraud took place. XXXX should not continue to sell this debt when they have been advised of it being a result of identity theft. Neither ATT or AFNI can produce a contract stating I agreed to this debt. Thus this debt can not be validated and has not been by AFNI or anyone else. I 'm very familiar with the FCRA and the FDCPA laws and these debt collection tactics are a violation. If they cause me any further damage and that includes my credit standing I know that I 'm within the law to file a lawsuit. I 'm asking for your assistance to help put this away quickly and quietly

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Convergys
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call constantly, but now they are texting me saying they are 'on their way, ' like a threat. They, Encore Receivables, did not disclose who they were ( I only know from googling their number ). I have spoken with the original creditor, XXXX XXXX now XXXX XXXX, several times, and have been making payments. Also, XXXX told me that Encore 'would not bother ' me as long as I was working with XXXX, and this was not true. The number I received text from was XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 to XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My credit is being hurt because the sharks ( XXXX ) trying to wrongfully charge me or the collections agency ( Thomas Agency ) who partner with them are the only entities that can tell the credit bereau that I do not rightfully owe them money which they will not do because they obviously want it wrongfully. I XXXX and went to XXXX. I was scheduled for XXXX at a XXXX Facility, The XXXX XXXX XXXX, and applied for XXXX by XXXX. They helped me very quickly with my XXXX Determination, the box next to ACCEPTED was checked and next to it reads " The hospital or physician practice will provide care at no charge to you for any participating XXXX facility or physician practice bill NOT paid by insurance or other payers. XXXX XXXX will be valid 'For outpatient services- thru XXXX/XXXX/15 ''. The entire bill is outpatient and covered. I was harassed over the phone several times by XXXX 's financial coordinator and sent her copies of my free care determination form which she said very bluntly that they were not going to accept it and we did that phone dance. Then I was being harassed by The Thomas Agency collections, and there is no way to reason with those people, they talk over you say their client does n't accept XXXX with no explanation of why they are above the law, and hang up shouting " Pay us the money ''. I checked my credit score and noticed that the credit bereaus are holding the collections debt against me so I put disputes into XXXX and XXXX. I received an Investigation Report from Transunion even though they never contacted me for my side of the story, the log in link to XXXX was broken which I needed to log into to add a XXXX word statement. I called the number on the investigation report and explained, they gave me another number for customer service to which I explained again, they said they were going to send me to " special handling '' ( which name implies to me that I am already in the wrong and considered by them to be irate ). The special handling lady was actually very helpful. She said she would type my explanation and submit a re-investigation. However she explained to me that regardless in order to remove the charge that either the biller XXXX or collections agency ( Thomas Agency ) had to remove the charge or say they did n't want the money ( which they know I rightfully do not owe them in the first place so why would they stop trying to pry it from me now? ). She told me about the CFPB and said that it was the best shot place to contact for help and here I am typing. I would very much appreciate help for my case. I feel the system is messed up and these big companys can just bully the little low income guy because the credit bureau takes their word about false debts and then the credit bureau can not even undo the harm after investigating the legitimacy of the charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: GATEWAY FIRST BANK
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Bought a home with gateway mortgage company. The home needed few repairs .Was given a XXXX loan and {$31000.00} towards repair .Gateway give the contractor to us even when we refused the contractor they insist we have to have repair done by recommended contractor. Contractor got money no repair done up to now ripped home apart has not comeback and got money from gateway has not get the job done.we have no place to cook for our kids and we already paid one month mortgage and still no contractor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: Mendelson Law Firm
State: TN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/XXXX I was treated at XXXX XXXX XXXX XXXX Hospital for XXXX. At the time my husband provided my current insurance and personal information. At the time, I had XXXX insurance, through XXXX XXXX XXXX. Shortly after the services, I received a bill from the Emergency room and ambulance service. I paid all out of pocket expense ( about {$1800.00} ) which I assumed was the complete bill for that date of services. On XXXX XXXX, XXXX ( 14 months later ) I received a bill from XXXX for a collection account in the amount of {$5100.00} for XXXX XXXX XXXX Florida. After researching this, I found out that the hospital did not update my insurance info or personal information, so my bill was not submitted to the correct insurance company. Also I was never called or received any information regarding this bill until XXXX/XXXX/XXXX. Now my insurance co, XXXX, will not pay and the hospital wants me to pay out of pocket {$5100.00} which I do not have or do I feel it is my responsibility since it was caused by their neglect. Especially since the other companies had my correct information and billed me in a timely manner and were paid in full. Now the account has turned over to Mendelson Law Firm, XXXX XXXX, XXXX, TN XXXX. They provided a letter that states this bill was turned over to XXXX on XXXX XXXX, XXXX. As stated above I was not notified until XXXX XXXX, XXXX after I moved to another state. This proves no attempt was made to me for over a year. If I was notified in a timely matter my insurance company would have paid the bill and this would have never happened. Please investigate this lack of billing integrity which has caused this financial burden on me and my family. 

XXXX XXXX XXXX XXXXXXXXXXXX

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 2021-07-29
Company: Experian Information Solutions Inc.
State: MI
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:
After 40 days of me constantly disputing trying to get in contact or a response from the creditors, Bureaus, & third parties I ask that these inaccurate accounts be removed off my credit permanently due to the fact you guys keep going against the law disregarding me. I have rights too. 

Remove these inaccuracies off my file immediately! 

XXXX XXXX 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 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I originally wrote XXXX, TransUnion, and XXXX  a 609 letter dated XX/XX/2021. I never heard back from them nor were the items I was disputing entered into the record so to show that the items were in dispute. I wrote them on the month of XX/XX/2021, a letter to comply with their own rule set in place that they have 30 days to respond which they failed to do. Therefore I am now following procedure and lodging my complaint for the record. I plan on going to court and suing for the amount of {$1000.00} for failure to comply with the rules and failure to amend my credit report to reflect that such items have been removed.

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 2016-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am being taken to court for default judgment. I disputed the debt and received XXXX statement dated XXXX XXXX with late fees and interest charges. I contacted the attorney handling the case asking for more information such as how was card opened, what transpired as of my dispute filed XXXX XXXX, why the account number was changed, when last purchase made, what was balance prior to late fees and interest, etc. She had no answers and told me to contact the original Capital One. I contacted Capital One and they had no answers and referred me to call XXXX XXXX as they had the file. XXXX XXXX had no answers either as they turned the file over to attorneys in North Dakota. I believe I disputed charges and the debt owed is late fees and interest fees how can I get information pertaining to this account?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied for a card with Capital One with the intention of using the card to execute a balance transfer. During the online application process I was asked how much I wanted to transfer and my response was {$10000.00}. Shortly after I was approved for {$3000.00}. 

The next day I called Capital One and spoke to a lady in the applications department. I let her know that if Capital One was unwilling to raise my credit limit, then the card was no use to me. The lady explicitly told me that if I did not activate the card that meant that I had not agreed to the terms of the card and my account would NOT be reported to the credit bureaus. 

After receiving the card in the mail I did NOT activate it. Instead, I called customer service to confirm that if I did not activate the card, nothing would be reported to the credit bureaus. At that point I was informed by XXXX customer service representatives that what the lady had told me was false and that the account, although not activated, would still be reported to the credit bureaus. 

As a result of the false information that was given to me, I will certainly sustain damage to my credit file through a ) a hard inquiry b ) the opening and closing of this account in the same month and c ) a drop in the average age of my accounts, all three of which have a negative impact on my credit. 

Please note I still have not activated the card and have no intention of activating the card unless Capital One is willing to raise my credit limit to {$10000.00}.

Company response to consumer: Closed with explanation