BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XXXX I noticed I had a few negative accounts reporting to my consumer credit report that I did not recognize so I called XXXX, XXXX, and Equifax to have them removed. They all informed me that I needed to file a FTC report and mail it to them. I decided I should send dispute letters instead to validate the debt in hopes it would be deleted with no issues. Unfortunately that was harder than expected, all 3 credit reporting agencies did not remove these items from my validation letter efforts. Discouraged I called all 3 agencies again to see what I could do, thy instructed me to again file FTC ID Theft reports. So between XXXX I filed FTC ID Theft reports for the accounts I did not recognize ; FTC Report Number XXXX XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX. I called all Credit Reporting Agencies again after filing and they instructed me to mail the report to them, I emphasized that I did not feel comfortable mailing sensitive information especially with my information already being compromised yet they said nothing could be done over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: IL
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:
after claiming i never sent in my original dispute i sent it again certified so it wasn't no excuses that my disputes wasn't received my investigation took longer than 30 days and i believe not even properly verified i have collections put back on my report after being deleted without any notification that they would be and collections that where not mines that i sent dispute latter back XX/XX/2022

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 2022-03-17
Company: CNG HOLDINGS INC
State: FL
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:
Tempoe LLC is still attempting to collect a false debt with the following aliases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tempoe LLC has sent a letter to tell me that they sympathize with ID theft and would remove the false debt, yet they send another letter to offer a SETTLEMENT through the XXXX XXXX XXXX for that same debt that was not incurred by me and already proven to be a false. I am tired of the harassment and will be reporting them to a credit bureaus and federal entities to cease all communication and use of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: The Receivable Management Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/2019 I received a phone call at my work phone from XXXX at RMS ( XXXX ) XXXX-XXXX. 
I asked him to send a document to my home address being I never received anything from them USPA mail. He told me he can call my work phone anytime he wants to and it is legal to do so. I asked him him to NOT call the work number again.

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 2017-05-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Once again they have incorrect information [ report  XXXX  ] even though we submitted through your agency. All you did was take their reply and close the file. How many times do we need to repeat the process until the report is correct? This is causing us severe financial impact. Attempts to correct on line failed since they provided incorrect validation information. Attempts to call by phone failed as usual-  1- M y name  XXXX   XXXX   XXXX   XXXX  NOT  XXXX   XXXX   XXXX   XXXX  Hello.  2-   XXXX   XXXX   XXXX  is not ours. and not a savings plan. It was a retail purchase paid to   XXXX   balance months ago! Basically all debts paid down and still a miserable score and incorrect reporting! Same issue with numerous inquiries, missing  Security hold but they have a " State Legislation '' hol d on the account- remarkable.  XXXX   XXXX  Bank  XXXX  mortgage since  XXXX   2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: Brock & Scott, PLLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is serving papers to my husband whom Im legally separated from rental property in XXXX XXXX XXXX that I dont live at. My mailing address and living address are both different from whatever address they are using to sue me and try to collect judgments. I was also the victim of credit card fraud massively in 2019 with all my other creditors, and had put a block on my credit at that point because someone else charged all of the debt and I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
After reviewing the credit file from XXXX. Noticed credit report has two late payments from XXXX  XXXX Auto Account : XXXX Account status Closed Date opened XX/XX/2018 Account type Auto Loan Balance Loan Amount {$0.00} Two late payments display incorrectly. I'm exercising my rights from FCRA to review inaccuracies from credit 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 non-monetary relief
Consumer complaint received 2022-03-17
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:
There is an unauthorized collection reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/2018. I was previously a victim of identity theft and this collection is fraud. I a demanding for this be removed from my credit report due to it being against the law to report unauthorized/verified things on my credit report

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 2017-05-28
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX   improperly billed for an incomplete improperly installed HVAC home improvement project. The project financed remains incomplete, does not comply with state and local codes, is unsafe as installed and in dispute. No payments have been made on the account. Billing began in XX/XX/XXXX , with the subsequent three months showing 30-60-90 days late payment. In   XXXX     XXXX  finally issued a statement ( due XX/XX/XXXX ) showing no amount due and no late payments. The XX/XX/XXXX  statement was sent to all   XXXX   credit reporting agencies to dispute 90 day late account report. Result of investigation from all  XXXX  credit reporting agencies (  XXXX ,  XXXX  and Experian ) was to remove the single 90 day late for  XX/XX/XXXX from credit report and not remove the 30 and 60 days late for   XXXX   and  XX/XX/XXXX  on the credit report. This is incorrect as all billing,  XXXX ,  XXXX ,  XXXX ,  XXXX  was and remains premature and statements from  XXXX  forward now show  XXXX  due and  XXXX  past due .

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 2022-03-17
Company: Complete Credit Solutions, Inc.
State: NC
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:
Someone stole my identity to make purchases using my social security number, credit and debt cards. I contacted the police and report was filed and suspect was charge with Theft. I requested all credit bureaus to file a formal fraud complaint.

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 2022-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a credit card that is more than XXXX XXXX XXXX with Capital One. I don't have the card and have made no transactions on it. I thought that it was closed and I'm being reported to the credit agency for late payment of 90 plus days against the card 's annual fee. My credit is now ruined from a card I don't have/have n't used over {$15.00} dollars. I have requested they close my account and they have not done so. I have secured an attorney and filed a claim with the lender which they denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My account is over 7 years old and should have fallen off by now but the lender sold my account to another lender to start over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02
Company: J&L Collection Services
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from J & L TeamworksXXXX CA dated XXXX XXXX, 2016 indicating I owed {$20.00} to XXXX XXXX. I responded, in writing on XXXX XXXX, indicating there was no balance due, and if they had documentation indicating otherwise, please provide to me. 
They responded on XXXX XXXX with an attached document that did not come from XXXX XXXX, did not have XXXX letterhead, or anything indicating it came from XXXX. I responded, in writing on XXXX XXXX, again asking for legitimate proof of this debt. Additionally, I have the bank records showing the co-payment of {$40.00} was made on the day in question. 
XXXX XXXX, 2016 I received a new letter from J & L, which was a copy of the first letter, indicating to me that they were starting over from the beginning of the process, ignoring my writing rebuttals. I am led to believe this is some sort of scam, perhaps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: HireRight Solutions, Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
HireRight gave inconclusive credit findings to a Company called XXXX and company. I was scheduled to start work for XXXX on XXXX/XXXX/2015. On XXXX/XXXX/2015 I was extended an offer for employment with them. I accepted and received paperwork from HireRight. I received a credit report from XXXX saying that my public records were sent to XXXX, but the address on the report was that of HireRight 's. The credit report had XXXX items that should have be on the report. XXXX showing that of a paid Indiana Tax lie and the other showing a false judgement against me from a check cashing company. There was XXXX also for Indiana state that I did owe and was paid on XXXX/XXXX/2015. HireRight showed these as flags on my credit to XXXX. HireRight did not investigate these thoroughly. As a result XXXX called me on friday XXXX/XXXX/2015 saying not to go in on XXXX/XXXX/2015 and I would start on XXXX/XXXX/2015 and they wanted to discuss HireRight 's flag that they showed. On Monday at the end of business day I got a call from XXXX and the HR rep had pulled my personal credit report and really didnt talk much about my public records. We talked about my personal credit. On Tuesday I received an email from the HR rep saying she and the hiring manger would be talking again on what their thoughts were. Finally, after seeing that I was getting strung along. I reached out in the after hours expressing that maybe it would be best that I pursue other opportunities and that I could see that XXXX was stringing me along. HireRight reported information costing me a job. As a result of this I am now unemployed with bills vastly approaching. I have no way of recoup my losses. I 'm also getting all types of soliciting calls and emails for companies saying things about loans and pay day loans. I didnt receive anything like this until I gave my information to hireright.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX Date XX/XX/21

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 2022-07-13
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX Date 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 2016-09-27
Company: Mendelson Law Firm
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was notified by the payroll dept that my wages were going to be garnished regarding a filed judgement. After contacting the representative of the creditor, we agreed on a lump sum plus monthly payments. I never knew that I had a court date for this matter, so I asked for all documentation. He could not supply me with that, and advised me to get that from the court. However, I also asked to receive written notification of our agreement, as well as written monthly statements showing payments and current balances. The legal clerk said that that could not be provided, although if I paid over the phone by electronic check I could get balances each time. I was also not notified of the date of the last payment on the card, which was approximately in 2005. I am now aware of statute of limitations in collection matters. As a debtor, I have rights as well, and I believe that I am entitled to receive the written documents that I have requested. I was a paralegal for 12 years, and did the billing for my department. We represented banks and credit agencies, and we sent monthly statements to debtors paying on collections. If I am paying this large amount of money, I would like to see monthly statements.

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 monetary relief
Consumer complaint received 2022-03-17
Company: First Credit Services Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife and I are both Military Veterans and opened a gym membership with XXXX XXXX in XXXX, NC. I believe about 2 or so months after opening the membership, a XXXX XXXX XXXX was declared and a XXXX XXXX was enacted due to Covid 19. The club was shut down for an unknown amount of time and the owner refused to allow us to cancel our gym membership without paying several hundred dollars more to break the contract even though they had been shut down by government mandate. They would only allow a one month pause. The owner then got very ugly when we tried to explain that being new members, we should not be financially penalized for a government shutdown that shut down the gym beyond our control. We were also members at another fitness center at this time who allowed us out of our contract without penalty due to the shutdown hindering our ability to utilize the facilities. We had just paid for the current month of our membership with XXXX XXXX when they were shut down. They told us they were offering online workouts so they would not let us cancel. I then explained that when we signed up for a membership we signed up for use of the gym not online classes that werent apart of the contract to begin with. We were paying a high amount for this membership. Because of the terrible treatment and the way we were spoken too, when the gyms reopened we joined another gym and had no issues. XXXX fitness then followed us on social media and stated that since we decided to join another gym they definitely would not waive the {$500.00} fee to cancel our account due to Covid shutdown. This was completely inappropriate for them to do. We decided not to continue our membership once the shutdown was opened due to poor treatment. That is our prerogative, then to have them basically stalk our social media and try to use that against us to again try and get undue fees out of us is horrible business practice. Come to find out this was a reoccurring issues from many other members of this fitness club who had also decided to switch clubs once they were all reopened by the state. They then sent it to collections and put it against our credit. They would only freeze our account and not cancel it even though we were paying {$120.00} mo. {$60.00} each for myself and my husband. They stated in an email that if you were experiencing financial hardships due to Covid to email member services. We did. We could not afford to keep paying for a costly membership for a gym we could not use. We understand they then offered online workouts but that is not the contract we signed up. 

We feel very taken advantage of and lied too because of being told different information by different staff members and then they tried to cover it up and say we were never told that. Which we were.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Dismissed it

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 2017-05-28
Company: EQUIFAX, INC.
State: MD
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:
XXXX  improperly billed for an incomplete improperly installed HVAC home improvement project. The project financed remains incomplete, does not comply with state and local codes, is unsafe as installed and in dispute. No payments have been made on the account. Billing began in    XXXX    2017   , with the subseq uent three m onths showin g 30-60-90  days late payment. In  XXXX   XXXX  finally issued a statement ( due  XXXX   XXXX   2017  ) showing no amount due and no late payments. The  XXXX   2017  statement was sent to all   XXXX   credit reporting agencies to dispute 90 day late account report. Result of investigation from all  XXXX  credit reporting agenci es (  XXXX , Equifax and  XXXX  ) wa s to remove the single 90 day late for  XXXX     2017  from credit report and not remo ve the 30 a nd 60 days late for  XXXX  and  XXXX   2017  on the credit report. This is incorrect as all billing,  XXXX ,  XXXX ,  XXXX ,  XXXX  was and remains premature and statements from  XXXX  forward now show  XXXX  due and  XXXX  past due.

Company response to consumer: Closed with explanation