BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-26
Company: PINNACLE RECOVERY, INC.
State: MD
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 terminated my membership with XXXX XXXX XXXX. It refused to end the membership, claimed I still owed fees, and referred the alleged debt to Pinnacle Recovery, a debt collection agency, which has been harassing me for 2 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Carter-Young, Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Company " Carter -Young INC '' is listed on my XXXX report under collection but is reflecting closed as of XX/XX/2014 reporting XXXX balance. Please remove this item as this is not reporting correctly and has caused multiple credit denials and delays with credit. Upon careful review I noticed I did not have a debt with this company ( No Contract ). It appears you are a collection company, please provide my signature of ownership of this debt that is currently listed with a balance of XXXX with a closed status. Please remove this as this is reporting false.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company popped on my credit report. i called the company and kept going straight to voicemail and no one ever answers. it states the account was opened on   XXXX   XXXX   XXXX     and I did not open an account on this date for this type of balance with anyone. this company have stolen my identity. after reviewing this company on websites, there are numerous people they have done this to trying to collect money and is a fraudulent account on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Glasser and Glasser, PLC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have disputed this account with the agency. They keep sending me collection accounts, I requested proof I signed this they only sent me statements,. I requested more and more information but seem like they do n't care only to collect. I request for them remove this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: Waterfall Revenue Group
State: PA
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 believe this bill is for a home I owned in XXXX I sold this home in XX/XX/XXXX and the new owners are responsible for this debt. According to the statement they sent the bill was from XX/XX/XXXX {$170.00}. I have been living in XXXX. since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Revenue Assurance Professionals LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested to validate the alleged debt on XXXX/XXXX/XXXX via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me. Revenue Assurance Professionals received the registered letter on XXXX/XXXX/XXXX. It has been well over the 30 days allotted to respond to my request and I have not received any validation of this debt that is being reported on my credit report. Therefore, Revenue Assurance is illegally reporting a invalid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: Securus J Holdings, LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I don't think that JPay is clearly or correctly identifying the possibility of fees for credit cards. They should offer examples and estimates. Even this as a possibility was something I was ignorant about. I have never transferred cash with my credit card and I am confused why this company is seen as a cash transfer which resulted in being charged an addition {$11.00} on my credit card after paying the {$3.00} charge by JPay on a XXXX gift money transfer of {$49.00} to my friend in XXXX. In total, we paid 31 % in fees for this gift.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent a dispute regarding updating information on some delinquencies that were reported on my credit report by XXXX, that were later placed on forebearance for a date prior to the delinquencies to a date through the delinquencies pursuant to FCRA 623a2B, I submitted the updated information and requested that the delinquencies be removed and the credit reporting agency failed to update my information and remove the late payments abd failed to properly investigate and verify the information I submitted to support my dispute.

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 2015-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion is reporting on my credit report with false information provided by XXXX XXXX for supposed creditor XXXX XXXX XXXX XXXX XXXX. This supposed unpaid medical bill showed up OVER 5 years after date of service. I have no outstanding medical debts with XXXX XXXX XXXX. I have had for over 20 years incredible medical insurance that has paid my medical bills. I have not received XXXX bill of a balance due and after having received nothing in OVER 5 years I find this debt to be fraudulent. I am not responsible for their faulty accounting records or inaccurately recording PAID debts. I want this immediately removed from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
State: OH
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:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items  that appear on my credit report as : 1. ACCOUNT NAME : XXXX XXXX XXXX # XXXX ACC BAL : {$100.00} This account has never produced a Proof of Claim nor has it responded in the 30 days since notification, error please delete. 2. ACCOUNT NAME : XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX XXXX, {$28.00} This account is a duplicate never showed proof of claim error please delete. 3. ACCOUNT NAME : XXXX # XXXX ACC BAL {$100.00} This account was Discharged in bankruptcy was never updated properly error please delete.

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 2016-03-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The lender Household finance is saying that my maturuty date has expired - so I need to pay the balance or do another loan to last 10 years. I need them to provide all the documents to prove what they are saying such as evidence of the maturuty date. and all documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: EQUIFAX, INC.
State: OH
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:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals   office. The items that appear on my credit report as :  1. AC COUNT NAME :   XXXX   XXXX   XXXX   #  XXXX  ACC BAL : {$100.00} This account has never produced a Proof of Claim nor has it responded in the 30 days since notification, error please delete.    2. A CCOUNT NAME :   XXXX   XXXX   XXXX   #   XXXX  ,  XXXX ,  ACC BAL   XXXX , {$28.00} This account is a duplicate never showed proof of claim error please delete.    3.  ACCOUNT NAME :   XXXX   #  XXXX   ACC BAL  {$100.00} This account was  Discharged in b ankruptcy was never updated properly error please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am trying to close this account with Barclay 's.   I had trouble with them before - it was resolved, but not with damage to my credit rating - at cfpb  Case Number   XXXX .   I 've paid off the account, as you 'll see from the attached documents, and want to close the account.   I 've been VERY clear by mail, by phone.   Attached you 'll find an email that I just got today - showing that the account is still open.   Also, a confusing letter ( dated   XXXX   XXXX   ) about my " disputed '' amount of {$1000.00}.   Also, my correspondence to them - dated   XXXX   XXXX   and then another dated   XXXX   XXXX   XXXX  - asking to close the account.   I have also tried to call and that has proved unfeasible. The first time, I was disconnected. The second time, I was being transferred and transferred.

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 2017-01-16
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
MIDLAND CREDIT MANAGEMENT REFUSES TO PROVIDE ME A WRITTEN OR DIGITAL PAYMENT HISTORY OF PAY- MENTS MADE TO XXXX FOR A CREDIT CARD FIRST OPENED ON XX/XX/XXXX. THIS HAS BEEN ONGOING SINCE XX/XX/XXXX. ALL I RECEIVE ARE A FEW CREDIT CARD STATEMENTS FROM XX/XX/XXXX AND XX/XX/XXXX AS WELL AS A BILL OF SALE DATED XX/XX/XXXX SHOWING MIDLAND ACQUIRING THE ACCOUNT FROM XXXX. THE BILL OF SALE STATES THAT ALL INFO PERTAINING TO THE ACCOUNT WAS TURNED OVER AND THE PAYMENT RECORDS ARE/WERE MAINTAINED IN THE BANK 'S DATABASE. I MADE MONTHLY PAYMENTS FOR YEARS TO XXXX AND MIDLAND IS UNABLE OR UNWILLING TO VERIFY MY PAYMENTS TO SAME. I WILL NOT AGREE TO THE ENDING BALANCE DUE UNTIL I SEE PROOF OF MY PAYMENTS. THE COLLECTION LETTERS KEEP SAY- ING MIDLAND WILL PROCEED WITH COLLECTION ACT- IVITY AND SAY NOTHING ABOUT FURNISHING MY REQ- UESTED INFO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against IC SYSTEMS for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from 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 explanation
Consumer complaint received 2016-11-18
Company: GREAT LAKES
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I went XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX I never applied for loans directly Somehow they applied for some loans that I 'm not aware of Now I owe money that I do n't know about

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Concentric Receivables Management, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due   XXXX  /2017, 60 days  XXXX 2017 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 2016-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
TranUnion is reporting inaccurate information in my credit file. 
The account name is XXXX XXXX Bank. I 've disputed this particular account with TransUnion and directly with the Creditor. It 's been over 45 days and I have not heard anything from original creditor. As far as TransUnion they are reporting inaccurate information. The balance should reflect XXXX because this particular account was written off by the original Creditor. Also since I directly disputed this account with TransUnion they are suppose to verify/ validate this account which they have not. According to FCRA TransUnion has 30 days in which to validate your dispute. It has to be noted in the " comment '' section which is has not. That 's a violation of the FCRA rule 601 ( XXXX ) ( a ).

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 2016-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX credit accounts showing on my credit report for XXXX and XXXX. I do not know what these accounts are and I did not use either of these accounts. I have tried to contact both credit companies and could not get any questions answered. My credit report is showing as an authorized user on both these accounts. I did not consent to being added on either of these acccounts nor did i use 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 2017-05-09
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On or about the middle of  XXXX  I immediately notified Sun trust Bank of unauthorized charges with my debit card in the amount of {$8100.00}. I filled out the proper forms required. Afte r 10 bus iness days they denied my claims and did not refund any money. Upon receiving the denial notices I immediately followed their procedures again and filled out their rebuttal forms as to why my cases should be reconsidered. After another 30 days of waiting they gave me credit for  XXXX  charge {$250.00} out of approximate  XXXX  disputed charges. All charges had the same or similar description just different amounts. I am still out {$7900.00} approximate that still needs to be refunded. How the bank comes to the conclusion that I did n't authorize the  XXXX  charge they gave me credit for, but says I 'm responsible for the remainder of the charges is quite confusing since all the the charges had the same description which I did not authorize. The documents are attached for your review from sun trust bank. I simply want my money back. Thank you for your time and help.

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 2017-05-09
Company: Collection Bureau of Fort Walton Beach, Inc
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested to validate the alleged debt on   XXXX     via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me.  Collection Bureau   of Ft. Walton Beach re ceived the registered letter on  XX/XX/2017   . I received the attached documentation on   XXXX   XXXX   XXXX     as verification of debt, however, the documentation does not include a copy of my signature with the provider of the service to release my medical information nor a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided. Therefore , Collection Bureau of Ft. Walton Beach has not verified the alleged debt and is illegally reporting an invalid debt.

Company response to consumer: Closed with explanation