BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-08
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from AR Resources out of Pennsylvania stating I owed a balance and would be reported to collections. I called within 24 hours and the gentleman I spoke with explained I owed this to the physician when I let him know my insurance should 've covered this. When I let him know I never received a bill and would like a copy, he asked " for verification, WHY do you need a copy?! '' I let him know once again I never received XXXX, the hospital name was wrong on the statement they sent and I knew I am legally entitled to XXXX. He interrupted me and said something along the lines of, " oh you know you 're LEGALLY entitled? this is going on your credit if you do n't pay this. Do you understand? '' I asked him to please not interrupt me and tried to finish what I was going to say and he started yelling at me saying that I was ridiculous for not paying this now and I needed to or he was reporting it now. According to the letter I have a right to dispute or pay the bill within 30 days so why was I being threatened with this? I tried to interject his rant and asked him to please transfer me to someone else and he completely refused. I asked him two more times and told him I did not appreciate him being rude to me and he yelled at me that I was rude and he would not help me and " What do you feel bullied and threatended?! '' At this point I ended the phone call. I tried calling back but he answers and each time ahd I do n't feel Comfortable talking to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
bought phone from XXXX and got a contract ... but got a really high bill {$180.00}. and told the lady that i was not happy and wanted to go back to prepay ... then they cut me off and said i owe {$810.00}. that is crazy

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have contact your company Trans Union and the reporting company with no help. XXXX  and XXXX have removed this information my credit reports but some reason TransUnion Is not responding to fix this matter. This account listed below does not belong to me I've contact XXXX I dont not nor have I ever had an account with this company. also there are Hard Inquiries that I did not authorize please have Trans Union remove them right now. 

Account XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX names XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX w 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 2022-04-12
Company: Experian Information Solutions Inc.
State: TX
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:
DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME. I HAVE ATTACHED THE IDENTITY THEFT REPORT BELOW. 

XXXXXXXX XXXX XXXXXXXX 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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME. I HAVE ATTACHED THE IDENTITY THEFT REPORT BELOW. 

XXXXXXXX XXXX XXXX XXXXXXXX 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 2020-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted Capital One within the last few weeks regarding a refund of interest for a transaction that was refunded by XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I charged {$200.00} to my Capital One Visa credit card toward a cruise. 

Due to COVID-19, the cruise is cancelled and my {$200.00} was reimbursed. 
I called Capital One again on XX/XX/XXXX, after having called a few weeks prior, regarding a refund of interest paid for this transaction and they refused to reimburse the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, INC.
State: TX
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:
My credit file is still reporting inaccurate and erroneous information. I contacted all 3 major bureaus to remove the disputed account and its still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Other

Complaint:
This is the XXXX time I have filed a complaint against Capitol One over the same issue. Fraudulent charges appeared on my credit card. Capitol One did an investigation and ruled in my favor. I have attached a letter from Capitol One saying the investigation was ruled in my favor. I have attached a copy of that letter from Capitol One. Yet they refuse to make the correction on my credit file when I filed a dispute. They insist on keeping this account listed as a charge off on my credit file when I did not make those charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Good afternoon : TransUnion erroneously has a " bankruptcy '' reported on my credit report. At no time have I EVER declared bankruptcy. I called the XXXX Bankruptcy XXXX of the XXXX XXXX and they affirmed that they have absolutely no record of a bankruptcy under my name or social security number. Please help me get this off of my record as I am unable to obtain the insurances necessary to purchase a home until this is remedied. Please advise how I should best proceed as the bureaus refuse to remove this mistake from my records despite my requests to do so. Should the bureaus not have to verify such an egregious error with the XXXX Bankruptcy Courts before they continue to disparage my reputation and credit score? 
Thank you, 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 2015-08-29
Company: EOS Holdings, 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:
Caller asked for a person who has NEVER LIVED at this address and NEVER HAD this phone number. They are fishing for this person by last name connections!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: CCS Financial Services, Inc.
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:
Credit Collection Services has charged me for an amount that I do not owe. They are collecting on behalf of XXXX for an amount that I absolutely do not owe ( {$1000.00} ). This incorrect amount is listed on my credit reports : XXXX, XXXX and XXXX and it has and continues to compromise my credit worthiness. I reached out to CCS and tried to file a dispute but was unsuccessful. CCS asked that I provide verification that I had coverage after my Auto Insurance Policy with XXXX canceled in order for them to consider adjusting my account. I did submit proof yet nothing has been done to correct the error.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: FL
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them in my file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-14
Company: Experian Information Solutions Inc.
State: PA
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 fair credit reporting act XXXX  account # XXXX has violated my right 15 U.S.C 1681 Section 602 A states I have right to privacy .15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furish a account with my written instruction and my signature.

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 2021-04-20
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am submitting this complaint because Equifax has not completed an investigation or have failed to communicate back any status of an investigation with me since my dispute submission. On XX/XX/XXXX I sent a letter disputing inaccurate items found my credit report as well as a notarized id letter my driver license and bank statement. I never havent heard anything at all from XXXX. I understand with covid things may be a little backed up, but we are now over 40 days since my request, and I havent heard a thing. I even sent a Follow up letter on XX/XX/XXXX. I am now involving the CFPB because it now seems you are neglecting a dispute and is against the FCRA. You had legally required time of 30 days. I submitted a CFPB response on XX/XX/XXXX and received a response on XXXX saying a investigation is being completed. this is taking to long Please deleted these inaccurate items from my report. Attached is a copy of everything I have sent as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
USAA Reports Criminal Activity by me Falsely Destroying my Good Credit and Good Name to Credit Reporting Agencies. XX/XX/XXXX RESPONSE CFPB XXXX. USAA Also reports me as Reporting Fraud on A RETURNED ITEM {$120.00} XXXX XXXX. I AM NOT A CRIMINAL. I DID NOT REPORT XXXX XXXX {$120.00} AS FRAUD XX/XX/XXXX. AFTER IT WAS RETURNED. Several attatchments Proove that Beyond a Shadow od Doubt. ( A ) XX/XX/XXXX STATEMENT ( 1 ) confirms {$470.00} IS WITHOUT THE XXXX XXXX {$120.00}. ( 2 ) Confirms NO BEGINING USAA TEMPORARY FRAUD INVESTIGATION CREDITS. A USAA POLICY WHEN FRAUD REPORTED. ( B ) attatched FRAUD LETTER XX/XX/XXXX ( 1 ) XXXX XXXX {$120.00} refers to CREDITS BEING REVERSED. ** Clearly this could NOT HAVE BEEN REPORTED FRAUD IN XX/XX/XXXX. They WERE NOT REVERSED UNTIL XX/XX/XXXX. see attatched STATEMENT XX/XX/XXXX. I. DEMAND USAA REPORT TRUTH.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute with the XXXX credit breuaes and I was no given a formal investigation or a response for the accounts I disputed! XXXX sent me a letter that had nothing to do with the disputes claiming it was someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
the information that is being furnished by the credit bureaus are against the law per 16 usc 1681b and 1666b. 
the items were dure to identity fraud and theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: NC
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-01-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received a statement from original creditor and I believe that this is not accurate, I send them different letter and they never reply, I hope this is not a fraud, it ' s affecting my credit score, I also contacted the XXXX credit bureau, XXXX and XXXX deleted only XXXX keep reporting with what kind of proof??

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 2016-01-08
Company: R.A.Rogers, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of debt. Contacted collections and original creditor and XXXX parties have yet to provide accurate validation or liability of debt that 's in collection. Having called numerous times to resolve this matter they have been extremely rude and lack customer service to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
NEW COMPLAINT NOT A DUPLICATE : LVNV Funding continueS to make a mockery of CFPB and its processes. Please see attached communication that I continue to receive even after CFPB has contacted all parties. So either they 're not really moved by CFPB 's involvement or perhaps CFPB may need to really get involved in these illegal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Duplicate reporting of account and history by original creditor : XXXX XXXX XXXX and collection agency, original limit {$300.00}, did n't go over limit, collection agency showing now owe {$660.00} and orginal high was {$590.00}. XXXX XXXX XXXX shows c/o, w/o & sold on XX/XX/XXXX, but listed under negative accounts as closed and collection accounts, with history thru 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello. I am writing this complaint because Equifax has failed to complete an investigation or have failed to communicate back any status of an investigation. On XX/XX/XXXX I sent a letter disputing a few inaccurate items found my credit report as well as a notarized id letter, my drivers license, and bank statement for proof of address. I wish I could have known about them before a lot of my recent financing. I never heard back after my first letter. After some online research I know it is against FCRA to take longer than 30 days. Due to covid I just submitted a Follow up letter, that was onXX/XX/XXXX. I wanted to involve the CFPB because its now been almost 2 months and I do not want my disputes neglected. This is taking way to long. Please deleted these inaccurate items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Fay servicing stole my house in 2016. They forged documents and stole it and auctioned it off. My family is homeless from it as I had over {$200000.00} of equity in it. And you sued them for over a million dollars. Where and who does that money go to? They scammed us and California let them. Can I get my money they stole in equity from you? The falsified everything. There is no limitation on fraudulent and illegal evictions. Nothing about it was legal. And I get no help from you when it was happening only to find out they were sued a year after this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, INC.
State: CT
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 am submitting this complaint due to no communication regarding a status on a investigation from Equifax. I wrote Equifax on XX/XX/2021 about 4 inaccurate items on my credit report. I provided everything they needed for a investigation and again I am supplying it her in this complaint. In the beginning of XXXX I was told after going through the verification over the phone that my disputes have been received but could not tell me whats going on expect its in progress so I sent another letter on XX/XX/2021 to see if I can get a response in writing. It is now XX/XX/2021 almost 2 months since my first complaint and still nothing. It's been 2months since my first request and this company keeps reporting inaccurate information in my credit report. This is taking way to long and effecting me in more ways than one. please delete these inaccurate items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Reliant Capital Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reliant Solutions are attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX in the amount of XXXX. XXXX XXXX XXXX  nor Reliant Solutions have verified the debt. Reliant Solutions have stated that this would not be on my credit report however has of XX/XX/13 it has shown on all 3 bureaus as a collection debt. I do not owe and have not been shown that I do owe. I have repeated asked to verify and never has it been verified. They state that will speak with XXXX XXXX XXXX but no validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-05
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have provided Identity theft Report, disputed.this debt as such with the original creditor, advised XXXX that I DID NOT open this account. There have been other creditors that I have notified and had this issue resolved. LVNV has purchased this debt, and I have submitted to XXXX XXXX XXXX a validation of debt and a copy of the Police report which I am not sure if they have received. I will be filing an Attorney General, FTC complaint against XXXX, LVNV, and XXXX XXXX if this is not resolved. This is the only headache that I have endured after I started to receive collection calls and then check by credit bureau report.

Company response to consumer: Closed with explanation