BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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 XX/XX/2016 ( {$1600.00} ) XXXX XXXX XXXX ( {$2400.00} ) ( XXXX ) XXXX XXXX XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX  ( {$520.00} ) XXXX XXXX XXXX XXXX  ( {$240.00} ) ( XXXX ) XXXX XXXX XXXX ( {$17000.00} ) XXXX XXXX Account # 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 2022-05-31
Company: Experian Information Solutions Inc.
State: PA
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 ordered a copy of my report I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / Experian / XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the folowing accounts. I believe they were error in the following accounts : XXXX  XXXX Balance : XXXX XXXX XXXX Balance : {$350.00}

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 2016-12-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX accounts that need to be removed from account. XXXX and 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 2017-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Cash advance fee

Complaint:
I recently closed a Capital One secured credit card. I did so after a minor identity theft issue. Capital One locked my card and told me I had to submit a birth certificate, social security card, XXXX or employer information, proof of address and driver 's license to unlock the card. But given the identity theft I was not willing to do that. So once I closed the account I was guaranteed my deposit ( {$200.00} ) minus and balance on the card would be returned to me ( {$51.00} ) within 3 weeks. It has now been 3 months and nothing. I began making calls only to be told I needed to verify my identity in order to get my money. I even had my bank conference in and tell them it was me, I verbally verified my social, the bank offered to reverse request the funds all of which Capital One refused. They will not release the money until I send one of a kind documents digitally to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I APPLIED FOR A LOAN MODIFICATION FROM MY PRIMARY LENDER, XXXX XXXX XXXX. THE LOAN MODIFICATION WAS ACTUALLY APPROVED BY THE BANK AS CONFIRMED BY SPECIAL LOAN SERVICING ( SLS ). THE APPROVAL LETTER WAS NEVER MAILED TO ME BEFORE IT WAS TRANSFERED TO SLS. AS THE NEW SERVICING COMPANY, THE ISSUE OF MODIFICATION RESURFACED AGAIN WITH SLS OF WHICH ALL MY SUBSEQUENT MODIFICATION APPLICATIONS WERE DENIED BY SLS ON THE GROUND THAT I VIOLATED THE PREVIOUS MODIFICATION WITH XXXX XXXX XXXX, THE APPROVAL LETTER OF WHICH I NEVER RECEIVED. IF I WAS ACTUALLY NOTIFIED BY XXXX XXXX XXXX BEFORE MY LOAN WAS TRANSFERED TO SLS, I WOULD NOT HAVE BEEN IN THIS PREDICAMENT BECAUSE I WOULD HAVE COMPLIED WITH THE TERMS OF THE APPROVAL. FAILURE TO NOTIFY ME WAS PREJUDICIAL TO MY CAUSE. THIS IS MY PRIMARY HOUSE AND I AM A SINGLE PARENT OF XXXX ( XXXX ) CHILDREN AND IT MY WISH TO KEEP MY HOUSE. MY FOR FURTHER RESPONSE, EMAIL ADDRESS IS : XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts which was inaccurate that were showing in my credit file. The accounts I am questioning are not affiliated with me nor received any money, goods, or services. These accounts are unknown to me. I have doubts in their accuracy and the reported payment history. As required by FCRA 605B ( c ) ( 1 ) ( C ) you are required by law to remove accounts which is found to be opened due to identity theft. These negative accounts are as follows : XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXX : {$0.00} ; and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}.

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 2022-05-31
Company: EQUIFAX, INC.
State: PA
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 ordered a copy of my report I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the folowing accounts. I believe they were error in the following accounts : XXXX  XXXX Balance : XXXX XXXX XXXX Balance : {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX I reviewed my credit report and found there was a collection account placed on my credit report from Commonwealth Financial Systems. I filed a dispute with the XXXX credit bureaus in writing on the same day. They updated the account with the XXXX credit bureaus but never provided me with documentation on the debt being mine. The credit reporting agency XXXX gave me a telephone number to reach them because there was nothing else for them to do. I called in XXXX and spoke with XXXX XXXX. He told me that the bill was for someone else who was a minor at the time. I stated that this was not my child nor was I in any shape or form responsible for this person. He stated he would request the medical records/discharge papers to see who signed for this child and to call back in a week. I called back and spoke with XXXX XXXX on XXXX and he stated that the information had n't been received by the client as of yet. I also explained to him that the child the bill belong to was a foster child and a ward of the state he told me to get something in writing and that they would rectify the matter because they see this often with social workers. Then on XXXX XXXX I called back to see if these medical records were received and was told they are waiting on the client to get back to them. On XXXX XXXX I submitted a letter to Commonwealth Financial Systems from the agency stating that this child was under their care. On XXXX XXXX I was told that my account was placed on hold and they would reach out to client relations to find out why. Today XXXX XXXX I spoke with XXXX who was condescending and stated she would hang up on me. She also stated that she has to reach out to the client to obtain the information. They are in violation FCRA laws by reporting a debt that in not mine and harassing me with consistent stall tactics. They also violated the 30 day rule in which they are to provide proof that the debt is valid through investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Never applied for a credit card with Bank of America but was issued a card. Called and address was changed on account and new card issued and used.

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 2022-05-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have information passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including an updated ID THEFT REPORT # XXXX once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Remove the following fraudulent information completely from my Credit File : XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX - XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$850.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$5400.00} ; XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$4500.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date 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 2016-08-15
Company: Certified Credit & Collection Bureau
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My son XXXX was treated for XXXX at XXXX Hospital on XXXX/XXXX/13. At the time I was unemployed and had no insurance. One of the nurses suggested we apply for XXXX because I was unemployed. 

We submitted all requested documentation to the XXXX vendor the hospital used and were told by one of their representatives that our application had been approved. 

Two years later, XX/XX/2013, we received a notice of Lawsuit from the law firm of XXXX, XXXX, XXXX on behalf of XXXX Hospital for {$1000.00}. The full amount of my son 's treatment. 

I contacted the hospital and I was told that my XXXX XXXX Application had been lost. That they had been using an outside vendor and the hospital was forced to terminate their contract due to many errors. I asked if they would honor my original application and they declined. 

As a compromise, I offered to pay {$600.00} to settle the account and the person I spoke to agreed to my offer and I made a payment of {$600.00} via debit card. I later checked with the law firm and with the court and they confirmed that the lawsuit had note been pursued. 

There was no further collection activity of any kind for another 3 years until I received a collection letter from Certified Credit & Collections Bureau on behalf of XXXX for {$490.00} which is the balance I would owe from the original bill. 

I have done everything possible to honor the debt as best as I could. The hospital has carelessly and recklessly perpetuated the collection of this debt for almost 6 years. This has been a very frustrating experience for me and my family at a time when we are under financial stress. 

I believe this account to settled and it is unfair that the hospital is engaging in these predatory practices. We believe that the debt in question has been satisfied and we should be considered settled.

Company response to consumer: Closed
Consumer complaint received 2015-11-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
The Financial Institution I am filing a complaint about is : OneMain Financial XXXX XXXX XXXX, MD XXXX XXXXI took out a consolidated loan from my credit union to pay off a few small credit cards and debt, OneMain Financial being one of my creditors. I took a check that was written out by my credit union to OneMain Financial and was told, " I could not use a check from another loan to pay off my loan with OneMain financial. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Penn Credit Corporation
State: TN
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:
I received a letter from this company demanding money from me. To my knowledge I have never entered into a contract with this company and they have never provided me a service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Noticed debt listed on credit file, sent several letters requesting validation of debt over past 4 months. I have not received any communication from this collection agency. I never received a notice to dispute this debt. Under the FDCPA this is a clear violation of my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: VA
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/2022, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX  credit bureaus XX/XX/2022, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$19000.00}

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 2017-03-03
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Never received a bill from these people. Recently applied for a credit card and was denied due to past due payments. Pulled a copy of my report. This charge is dated XX/XX/2016. I have no medical bills from that time. Have written a letter to creditor requesting information. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: National Credit Systems,Inc.
State: OK
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:
The company is attempting to collect a debt that is past that statute of limitations in Oklahoma. Per Oklahoma Law " Collection of Rents is 5 yrs. Tit. 12 95 ( 11 ) ''. The debt is from XX/XX/2010, which is well beyond the limitation set by the state of Oklahoma.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: National Credit Systems,Inc.
State: IL
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:
WHY IS THIS STILL ON MY XXXX REPORT?!!!!! IT NEEDS TO BE REMOVED DUE TO ID THEFT!!!!! NATIONAL CREDIT SYSTEMS!!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
It is Experian 's policy, after you have received a response from the creditor and they deem the information accurate you are not allowed to res dispute the information without additional information. The online system refuses to accept a new dispute and the upload system denies your ability to upload documentation. 
As a result of the recent case in Federal Bankruptcy Court in XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX agreed to remove inaccurate items from credit reports. Judge XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XXXX, when he refused to dismiss the case against XXXX he said, " The complaint sets forth a cause of action that XXXX is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. '' I am requesting Experian to immediately remove these items from my report by directly disputing them, however they have refused me access to their dispute system. This information has impacted me negatively and caused me to be denied credit. The information has been corrected on the other XXXX credit reporting agencies but Experian by denying me access has prevented me from corrected it on their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts which was inaccurate that were showing in my credit file. The accounts I am questioning are not affiliated with me nor received any money, goods, or services. These accounts are unknown to me. I have doubts in their accuracy and the reported payment history. As required by FCRA 605B ( c ) ( 1 ) ( C ) you are required by law to remove accounts which is found to be opened due to identity theft. These negative accounts are as follows : XXXX XXXX Balance : {$5300.00} ; XXXX XXXX Balance : {$0.00} ; and XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}.

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 2022-07-12
Company: CURO Intermediate Holdings
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The Fair Credit Reporting Act requires that the credit reporting agency report accurate information. XXXX XXXX XXXX has me in collections for XXXX accounts. Original XXXX reported as Speedy Cash for {$560.00} and XXXX XXXX {$610.00}. I am reporting both for predatory lending targeting a certain economic group and using unlawful practices for monetary gain. This is a violation of my rights under the Fair Credit Reporting Act Title 15 us code 1663 Advertising of open end Credit plans. 15 US Code 1691 D2 Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. 15 US Code 1692 A Abusive Practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices contribute to the number of personal bankruptcies, marital instability, to the loss of jobs, and to invasions of individual privacy.

Company response to consumer: Closed with explanation